Car insurance - FAQs

• Can I get a Car Insurance quote if I don’t have a car registration number yet?

  If you're shopping around for a car, and don't know the exact registration number, you can still get an estimated Car Insurance quote by entering the make and model of the car you're looking at.

  Once you've bought the car and have the registration number, we'll be able to give you an accurate price and you can choose to go ahead with the insurance.

  Any quote you get will be based on an agreed set of assumptions.

• I haven't bought the car yet - can I still get a quote?

  Yes, you can get a car insurance quote online.

  Please note: that it is only when you complete the purchase that you can insure the car in your own name. We will only be able to give an accurate quote when you have the registration number.

• What is car and key rescue?

  Car Rescue

  Car rescue will cover you when your car breaks down. We will arrange roadside assistance, towing and help you to complete the journey if the repairs cannot be completed on the same day. You can contact our 24-hour car rescue line on 03458 282 823 or 00353 1 858 3200 from ROI when outside the UK.

  Car rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

  Key Rescue

  Key rescue provides up to £1,500.00 (inc. VAT) towards lock and key replacement (including reprogramming of alarms and immobilisers) and costs of transportation in the event of lost or stolen keys or keys broken in any lock of your car. We will also cover up to £40.00 (inc. VAT) per day for up to 3 days for car hire if you are stranded more than 20 miles away from home or alternatively we will cover reasonable public transport or taxi fares for you and up to 4 passengers.

  Key rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

  Your Schedule will show if you have this cover. You can view this document through your MyAXA account. To register for MyAXA, please visit here.

• I am thinking about buying a second car - will I be able to use my no claims discount again?

  Unfortunately, you can't use your no claims discount twice.

  However, if you are the only driver on both policies, you may be eligible for an introductory discount on your second car.

  Get a Car Insurance quote for your second car or give us a call on 02890 020104 if you need to speak to one of the team.

  You'll find more information on our Car Insurance page.

• What is open driving?

  Open driving covers any driver aged between 25-70 with a full UK, Irish, EU licence to drive your car with your permission.

  Open driving is an optional extra and an additional charge will apply.

  Terms and conditions apply.

  Your Schedule will show if you have this cover which you can view and download from the My Documents section of your MyAXA Account.

• How can I tell that my claim was settled?

  Once your claim is settled, your insurance company will write to you to let you know. You will also be able to find this information on the renewal notice issued after the claim was settled.

  Alternatively, you can contact your previous insurer directly.

• What is no claims discount protection?

  No claims discount protection is an optional extra you can choose on your car or van insurance for an extra cost.

  It means you can rest easy knowing you can make one claim on your insurance policy without it affecting your no claims discount.

  You must have earned a maximum no claims discount to add this cover and it can only be added at the start of a new policy, or when you are renewing your current AXA policy.

  Terms and conditions apply.

  Visit our Car Insurance or Van Insurance pages for more information.

• Can i get a Car Insurance quote online if I'm a first time driver?

  Yes, we offer insurance to first time drivers and drivers who have no previous insurance in their own name.

  Read more about what's covered with our Car Insurance and how we support our young drivers.

  To get a Car Insurance quote, simply select 'NO PREVIOUS INSURANCE' in the driving experience question.

  Or you can give us a call on 02890 020104 and one of the team will be happy to help. and one of the team will be happy to help.

• Can I get an online quote if I've had no previous insurance?

  Yes, we offer insurance to first time drivers and drivers who have no previous insurance in their own name.

  Read more about our Car Insurance cover.

• Where can I find my policy renewal date?

  You can find your expiry date on your policy documents which are available in your MyAXA account.

  If you don't have an account and think your policy is expiring soon, give us a call on 03458 28 28 22 and one of the team will be happy to help.

  We will send out your renewal invite by post approximately 4 weeks before your renewal date.

• What is Comprehensive Car Insurance cover?

  Comprehensive Car Insurance is the highest level of cover you can get, and it's the most popular choice for our customers.

  Comprehensive Car Insurance covers you for third party claims after an incident and for damage caused to your own vehicle. With our comprehensive cover, the following are included as standard:

  • Replacement car cover
  • Injury cover
  • Legal expense cover
  • Glass cover
  • Comprehensive driving of other cars (if you were 25 or over at the beginning of your policy or renewal). Terms and conditions apply.

  You’ll find more details in your policy booklet.

  Your Schedule will show the level of cover on your policy. You can access this document through your MyAXA account. To register for your MyAXA Account, you'll need your policy number, email address and date of birth.

• What is Third Party, Fire and Theft cover?

  Third party, Fire and Theft is a level of cover you can choose on your Car Insurance.

  With Third Party, Fire and Theft, we cover you against damage caused to your car by fire, theft or attempted theft. It includes your legal liability to others; up to £20 million for property damage and unlimited liability cover for injury to others.

  Third Party Fire and Theft doesn't cover accidental damage caused to your vehicle.

  Your policy documents will show the level of cover you have on your car insurance. You'll find these in your MyAXA account.

  You’ll find more information about Third Party, Fire and Theft cover in your policy booklet.

• What is a multiproduct discount?

  We offer a discount on your car insurance if you, or anyone living at your address, has an AXA direct policy.

  We offer a discount on your home insurance if you have an existing car policy with AXA directly.

  Please note: All discounts are subject to the minimum premium.

• I hold a provisional licence, can I drive on my own?

  Legally, you're not permitted to drive on your own if you hold a provisional licence. For your own safety you must always be accompanied by a fully licenced driver who is at least 21 years old and holds a full licence for a minimum of 3 years.

• Why does my no claims discount show my policy as live?

  If your no claims discount is showing as 'Live', this means your policy was active when it was issued.

  If you have since cancelled your policy you can request a new one through the document request form. If you'd prefer you can contact on 03458 28 28 22, or call into your local branch and we'll be happy to help.

• What is a voluntary excess?

  A voluntary excess is the amount you agree to pay in the event of an accident. You can choose your voluntary excess amount when you buy or renew your car insurance policy. The higher your voluntary excess, the lower your quote will be. Similarly, lowering the excess will increase the cost of your car insurance.

  Please note: Car policy holders under the age of 25 cannot reduce their excess.

  The excess amount is noted on your Schedule. You can view this document through your MyAXA account.

  To register for MyAXA, you'll need your policy number, date of birth and email address.

• What is injury to driver cover?

  Injury to driver cover provides cover for you and any named driver in the event of injury or death (comprehensive cover only).

  Terms and conditions apply.

  Your Schedule will show if you have this cover. You can view this document through your MyAXA account. To register for MyAXA, please visit here.

• I had a claim - what claims details do I need to get a Car Insurance quote?

  If you've previously had a claim and you'd like to get a quote for your Car Insurance, you'll be asked to provide some information about the claim when getting your quote.

  When filling out the quotation form we will ask you to share the following details:

  1. The name of the driver that the claim relates to
  2. The date of the incident
  3. The type of claim (e.g windscreen or accidental damage)
  4. How much has been paid out
  5. If it's settled or ongoing
• Do I need a Green Card?

  Car Insurance

  With effect from the 2nd of August 2021, the European Commission have now agreed that Green Cards are no longer required for any motor vehicles registered in Northern Ireland when being driven in the Republic of Ireland or any part of the European Economic Area.

  We are currently working on updating MyAXA to remove the GreenCard from your list of documents, so you may still see the option to download a Green Card on your MyAXA account.

  Van Insurance

  With effect from the 2nd of August 2021, the European Commission have now agreed that Green Cards are no longer required for any motor vehicles registered in Northern Ireland when being driven in the Republic of Ireland or any part of the European Economic Area.

  Please note: there is no requirement for you to have a Green Card with you when travelling.

• Can I get Car Insurance as a learner driver?

  Yes, we offer Car Insurance for learner drivers with a provisional licence.

  Terms and conditions apply.

• I've just bought a new policy, can I cancel it?

  If you've just bought a policy with us, you can cancel your policy within the first 14 days and we'll give you a full refund, provided that no claims have been made during this period.

  You’ll find more information around policy cancellations in your policy booklet.

• What is an excess?

  An excess is the first part of a claim that you will have to pay.

  For example, if you have an excess of £100 and make a claim worth £1,000, we will pay £900 of the claim settlement amount and you'll be asked to pay the £100 excess amount.

  Your excess amount is noted on your policy schedule.

  Car and Home Insurance customers can view their policy schedule in their MyAXA account.

  To register for MyAXA you'll need your policy number, date of birth and email address.

• What is no claims discount?

  No claims discount is the percentage discount you earn for each year you’ve been claim free on your own car insurance policy, up to a maximum of 75%.

  Read more about the discounts we offer on our Car Insurance page.

• What is Third Party Only cover?

  Third Party Only Car Insurance is our most basic cover option which means that third parties involved in an incident are protected. It's a legal requirement that you have at least Third Party Only car insurance in the UK.

  For example, if you had an accident with another driver (the third party) and the accident was your fault, then your liability to the driver of the other car would be covered. So we would cover the cost for the other drivers car, property and any personal injury.

  With third party only, cover for your car is not included.

  Your Schedule will show the level of cover on your policy. You can view and download your schedule in your MyAXA account.

  To register for MyAXA you'll need your policy number, date of birth and email address.

• What is named driving experience?

  If you are named as a driver on another policy, you can earn a discount for each year you have been named and are claim free.

  We will reward you with a named driving experience discount up to a maximum of 6 years if each year is continuous without gaps.

  You can get a car insurance quote online, just make sure to select 'insured as a named driver' when asked about your previous insurance.

  If you're not sure how many years you're entitled to, call us on 02890 020104 and we'll be happy to help. Or visit car insurance.

  Terms and conditions apply.

• What is Replacement Car cover?

  If your car is damaged in an accident but is still repairable, we'll provide you with a replacement car while yours is being repaired, for however long it takes.

  Check your schedule to see if you've got replacement car cover, which you can view and download from your MyAXA account.

  This cover will apply if there is a valid claim under the Comprehensive or the Fire & Theft section of your policy.

  Terms and conditions apply. An AXA approved repairer must be used.