Car insurance FAQ

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 does windscreen cover provide?

Windscreen (or glass) cover means we will pay the cost of repairing or replacing cracked, broken or damaged windscreens or windows in your car.

We'll also cover any scratches to the body work as a result of broken glass.

Your schedule will show if you have this cover which you can find in your MyAXA Account.

If you have a glass breakage and wish to make a claim, you can complete our claims form or call us on 03458 28 28 23 .

All claims must be verified prior to any repair or replacement work being carried out.

Terms & Conditions apply. Damaged or broken glass in sunroofs, panoramic glass roofs and mirrors is not covered. Glass claims will not affect your no claims discount.

You'll find more information on glass cover in your policy document.

What's the difference between Comprehensive and Third Party, Fire and Theft cover?

Comprehensive covers:

Damage by fire or theft
We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of £20 million.
Accidental damage caused by you or others
Malicious damage or vandalism
Windscreen repair or replacement cover
Car stereo cover

Third Party, Fire and Theft covers:

Damage by fire or theft
Any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of £20 million.

You’ll find more details in your policy booklet.

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 two claims 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 change the car on my policy just for few days when my car is in repair?

Yes, if your car is in for repair you can make a temporary change of car through your MyAXA account.

If you don't have a MyAXA account you can do a temporary change of car through our express self-service. You'll need your policy number, email address and date of birth.

You’ll receive an email and text message confirming the change has been made.

For more help, we’ve put together this short guide on changing your car with MyAXA.

What is comprehensive driving of other cars?

Comprehensive Driving of Other Cars is included on comprehensive Car Insurance, as standard. This means, you can enjoy the same comprehensive cover you have on your own car insurance policy when driving other cars that are not owned, hired or leased by you or your partner.

Please note: There is a £40,000 limit on the borrowed car. Terms and conditions apply.

Please refer to your policy booklet for more details.

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

Am I covered to tow a trailer?

Yes. Third party liability cover to tow a single axel trailer is included with AXA car insurance as standard, provided your licences permits you to tow a trailer.

Please note: This cover only applies when the trailer is attached to your vehicle or if it becomes detached in the course of a journey.

Terms and conditions apply.

You’ll find more details in your policy booklet.

What is no claims discount?

No Claims Discount is the discount you earn for each year you've been claim free on your own car insurance policy, up to a maximum of 10 years.

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

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.

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.

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:

The name of the driver that the claim relates to
The date of the incident
The type of claim (e.g windscreen or accidental damage)
How much has been paid out
If it's settled or ongoing

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.

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.

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.