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If you’re getting in touch about an AXA Car Insurance policy, fill out an online contact form and they will aim to get back to you within 24 hours (excluding Sundays and bank holidays).
AXA car insurance
Compare AXA car insurance quotes.
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How good is AXA car insurance?
AXA is a long-established global insurer with an ‘Excellent’ Trustpilot rating of 4.4, reflecting strong overall customer satisfaction. It offers a choice of cover levels, including a more basic Essentials policy and a higher-spec Plus policy, which has a 5-star Defaqto rating.
AXA reports that it pays out on 99.7% of car insurance claims, offering reassurance about the level of support you could receive after an incident. Independent research by Which? gave AXA a claims score of 78%
What is the Defaqto rating for AXA car insurance?
Defaqto is a leading independent reviewer of financial products. AXA's higest-tier policy (Car Insurance Plus) received the maximum five-star Defaqto rating for features and benefits, while its essential comprehensive policy is rated two stars.
AXA Car Insurance
⭐⭐^
AXA Car Insurance Plus
⭐⭐⭐⭐⭐^
What will an AXA comprehensive car insurance policy cover me for?
If you choose a fully comprehensive AXA car insurance policy (standard or plus) the following is included:
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Child Car Seat
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Fire and Theft
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Driving Abroad
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Injury to other people
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Damage to other people's cars and property
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Personal Accident Cover
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Personal belongings
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Damage to your car
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Windscreen cover
How much do AXA car insurance policies cost?
These are the average prices of AXA car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Axa
£379^
Fully comprehensive
Axa Plus
£453^
Fully comprehensive
Axa
£377^
Third party, fire & theft
Axa Plus
£544^
Third party, fire & theft
What is included in AXA Car Insurance Plus?
AXA's Car Insurance Plus policy give you extra cover and benefits compared to standard policies, including:
Courtesy car cover as standard, plus key cover and wrong fuel cover
Higher amounts of cover for personal belongings and personal accidents
Onward travel cover or overnight accommodation
However, you'll need to buy breakdown cover and motor legal protection an optional extras as neither are included on AXA's Plus policy.
Is AXA Car Insurance Plus worth it?
AXA Plus may be worth it if you want a more comprehensive, “everything included” style policy without needing to add multiple extras. It could be a good fit if you want stronger cover for personal belongings and injuries, or you rely on your car daily and would benefit from a guaranteed courtesy car.
Upgrading may be less necessary if you’re mainly looking for a cheaper policy and are happy to add extras only where needed, or if you already have things like breakdown cover elsewhere. MoneySuperMarket research has found that the average cost of buying separate breakdown cover (across all breakdown providers) is £27
Is AXA the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of AXA car insurance to help you make your decision:
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Pros of AXA car insurance
High claims acceptance rate of 99.7%
Strong Which? claims score of 78%
^ Choice of cover levels, including a feature-rich AXA Plus policy with 5-star Defaqto rating
Good range of built-in features on higher-tier policies, such as key cover, onward travel and European cover
Well-rated for ease of use, with customers often highlighting simple policy management and online account access
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Cons of AXA car insurance
Basic (Essentials) policy is relatively stripped back compared to competitors
Many useful features cost extra unless you upgrade
Premiums can be higher than some budget insurers, particularly for younger drivers
May not be the best fit if you’re purely looking for the cheapest possible cover
How does AXA car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
AXA Plus | Admiral Platinum | Hastings Direct Premier | Aviva Signature | |
|---|---|---|---|---|
Price | £453^ | £1019^ | £440^ | £385^ |
Defaqto rating | ⭐ ⭐ ⭐ ⭐ ⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 78%^ | 74%^ | 71% | 80%^ |
Claims payout rate | 99.7% | 98.9% | N/A | N/A |
Uninsured driver promise^ included? | Yes | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | £25 for agent-made changes, free online | £15 | £35 | Free online, £18 if calling in |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is AXA a good car insurer for young drivers?
AXA is a well-established insurer with a strong claims payout rate of 99.7%, which may offer reassurance to younger drivers, who are statistically more likely to be involved in accidents. However, it is not typically the cheapest option for new drivers.
Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
How do I contact AXA?
💡 Top tip: If you bought your AXA car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Phone
You can phone the customer service team at AXA on 0330 024 1158. Opening times are Monday to Friday, 8am-8pm and Saturday, 9am-5pm. Bank holiday hours vary while AXA's customer service team is closed on Sunday.
How do I make a claim with AXA?
If you need to make a claim on your AXA car insurance policy, contact the AXA as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
AXA claims line:
0345 608 0230
Claims lines are open 24/7, and are available even if you have an Online Car Insurance policy.
Can I cancel my AXA car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with AXA directly. You cannot cancel via MoneySuperMarket.
You can cancel your AXA car insurance online via their website or the My AXA app.
Can I cancel my AXA car insurance at any time?
Yes, you can cancel your AXA car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does AXA charge fees for cancelling car insurance?
Yes, AXA charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: No charge
Within the first 14 days of the policy starting: No charge
More than 14 days after the policy starts: £52.50 admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my AXA car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does AXA sell?
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare AXA car insurance against policies from up to 195
Is it cheaper to buy AXA car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as AXA compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare AXA policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my AXA car insurance policy?
If you bought your AXA car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your AXA car insurance policy on the AXA customer portal by logging into your account.
Will I be charged if I make a change to my AXA car insurance?
Yes, AXA charges a £25 fee for agent-made changes to your car insurance, such as changing your address or adding extra drivers - though making changes online is free. Your premium may also go up or down depending on the change.
Can I add other drivers to my AXA car insurance policy?
Yes, you can add up to 5 named drivers to your AXA car insurance. To add a driver to your AXA car insurance policy, log into your AXA online account and go to the policy overview page.
Adding extra drivers to your AXA car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does AXA car insurance include breakdown cover?
AXA car insurance policies do not include breakdown cover as standard, though its Plus policy does include an onward travel promise. For full breakdown cover you'll need to take it out as an optional extra.
You do not need to have a car insurance policy with AXA to buy AXA breakdown cover. You can also buy breakdown cover from a different provider if you have RAC car insurance.
How do I renew my AXA car insurance policy?
Most AXA car insurance policies are set to renew automatically. This means that when your current policy ends, AXA will arrange a new one using your saved payment details, so your cover continues without interruption and you don’t need to do anything.
Auto-renewal doesn’t guarantee you’ll receive the same cover or price as before. AXA will contact you ahead of renewal with details of any changes to your premium or policy, giving you time to review your options.
If you’d prefer not to renew automatically, you’ll need to switch this off before your renewal date, which you can usually do through your online account. Before allowing your AXA policy to renew, it’s worth comparing car insurance quotes. Renewal prices aren’t always the most competitive, and shopping around could help you find a better deal.
Can I pay my AXA car insurance in monthly instalments?
Yes, you can pay for your AXA car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is AXA?
AXA is a global insurance company with roots dating back to the early 19th century, with the modern AXA brand established in 1985. It’s now one of the world’s largest insurers, offering a wide range of products including car and van insurance, home insurance, health insurance and business insurance.
Who underwrites AXA insurance?
AXA car insurance is underwritten by AXA Insurance UK Plc.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 26 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Based on car insurance policies sold through MoneySuperMarket between January 2026 and March 2026 where the user requested Breakdown Cover and it wasnt included as standard cover.
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Accurate as of 25 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in November 2025.
Source: Which?, 2026, Will your car insurer let you down when it matters most?, https://www.which.co.uk/news/article/will-your-car-insurer-let-you-down-when-it-matters-most-azKzL9m9ippy
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Two stars is for 'A product offering fewer than average features and benefits'.
Individual insurance products from AXA may have different ratings. Data from the Defaqto website. Data from March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from AXA may have different ratings. Data from the Defaqto website. Data from March 2026.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2026.
