Car insurance - Your cover

• 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.

• 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.

• 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:

  1. Damage by fire or theft
  2. 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.
  3. Accidental damage caused by you or others
  4. Malicious damage or vandalism
  5. Windscreen repair or replacement cover
  6. Car stereo cover

  Third Party, Fire and Theft covers:

  1. Damage by fire or theft
  2. 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.

• 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 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.

• Am I covered to drive abroad?

  If you're planning to travel abroad within the EU and bring your car with you, you can rest assured that you're covered. Our Car Insurance covers you to drive your car in the following countries:

  • Great Britain
  • Republic of Ireland
  • Isle of Man
  • Channel Islands.

  Your policy is also automatically extended to cover you to travel to EU member states for up to 90 days in any period of insurance.

  Please note: Some of the sections of your policy cover apply only while driving in the Republic of Ireland, Northern Ireland and Great Britain.

  Please call us on 02890 020104 or drop into your local branch if you are in any doubt regarding your cover.

  Terms and conditions apply.

  You’ll find more details in your policy booklet.

• Am I covered for a courtesy car after an accident if my own car is in for repair?

  Yes, if your car is repairable and we are dealing with your claim, a courtesy car will be provided to you while repair to your car is being carried out by an AXA approved repairer. However long it takes.

  Read more about your Car Insurance.

• 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.

• 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 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 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.

• If I use my car to drive to or from work what class of use should I have on my policy?

  If you use your car to commute to and from the same work location, you should have 'Social Domestic and Pleasure plus Commuting' cover on your policy. Section 3 of your certificate of insurance will show the class of use you have on your policy.

  You can view and download your certificate of insurance from your MyAXA account.

• Am I covered if personal belongings are stolen from my car?

  If you have Comprehensive, or Third Party, Fire and Theft cover on your car insurance, you will be covered if personal are stolen from your car subject to a limit of £450.

  A claim under this section will not affect your no claims discount. Your policy schedule will show you if this cover which you can find in your MyAXA account.

  Please note that some items are not covered, for example:

  • Money
    
  • Tickets
    
  • Jewellery

  You are not covered for personal belongings if your car is left unattended and it's unlocked or the windows or sunroof are left open.

  You’ll find more details in policy booklet.

  Terms and conditions apply.

• 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.

• Am I covered if my car breaks down?

  We know that sometimes your car can break down when you least expect it, that's why we offer Car and Key Rescue as an optional extra that can help you avoid this stress and have peace of mind that you are protected, should the unexpected happen.

  Car and Key Rescue can be added to your policy at an additional cost and covers you for home starts and roadside assistance so you can get on with your day with minimal disruption.

  If you need us, give us a call on 02890 020104, and we will arrange roadside assistance for you. This includes towing and assistance if you need to complete your journey and the repairs cannot be completed in the same day.

  Your schedule will show if you have this cover. You have access to all your policy documents in your MyAXA account.

  Read more about cover options available on your car insurance.

  Terms and conditions apply. You can add Car and Key Rescue to your policy when you buy or renew your car insurance.

• Do I have windscreen cover?

  If you have Comprehensive Car Insurance policy with us you can rest assured that you have windscreen cover.

  If you have broken glass coverage and would like to make a claim, either complete the online claims form or call us on 02890 020104 before you proceed with fixing the damage.

  We will then advise you to contact one of our AXA approved repairers and the repairs will be fully covered.

  If you decide to use your own repairer, we will cover a replacement of up to £250, or a repair of up to £50.

  Terms and conditions apply.

• How can I check who is insured to drive my car?

  You can find out who is insured to drive your car by checking your insurance certificate. The drivers are listed on section 6 of your certificate of insurance.

  You can view and download your certificate from your MyAXA account.

  You can also request a copy of your insurance certificate by completing the document request form.

  Please note: If you've added a temporary driver to your policy, they won't appear on your insurance certificate.

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  How can I check who can or cannot drive my car?

• Am I covered if I leave my keys in my vehicle, and it is stolen?

  Unfortunately, loss or damage caused by theft or attempted theft is not covered if the keys (or keyless entry system) are left unsecured or left in an unattended car. You should never leave your vehicle unattended with the keys in or around the vehicle

  You’ll find more details in your policy booklet.

  Terms and conditions apply.

• 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.

• 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.

• Do I have no claims discount protection on my Car Insurance?

  If you have more than 5 years claim free and have earned the maximum no claims discount, it makes sense that you'll want to keep it protected.

  No claims discount protection is a perfect way of making sure that if you do have an accident, your discount will not be removed.

  We offer no claims discount protection as an optional extra on your Car Insurance. This means that at an additional cost you can protect your no claims discount from being affected if you make one claim in the insurance year.

  Your policy schedule will show if you have protected no claims discount which you can view in your MyAXA account.

  For more information on your no claims discount protection, read your policy booklet under Protected No Claims Discount.

• What Car Insurance cover options does AXA offer?

  We offer the choice of three levels of Car Insurance cover which you can choose from depending on your needs.

  1. Third Party Only – this is the standard car insurance cover that is required by law. It covers damages to the third parties involved when an accident occurs.

  2. Party, Fire and Theft – this is our mid-level cover which provides coverage for fire and theft, as well as damage to third parties involved.

  3. Comprehensive – our comprehensive cover provides a more complete coverage. It includes all that is covered in third party fire and theft, plus additional benefits such as windscreen or misfuelling cover.

  Read more about our Car Insurance cover option.