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  • Types of Car Insurance cover

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  • Overview

    Car insurance comes in two main types - comprehensive car insurance and third party, fire and theft car insurance (TPFT).

    The main difference between the two is that comprehensive car insurance covers your car in case it is damaged accidentally - even if you were at fault.

    No matter which type of cover you choose, AXA car insurance has been designed from the ground up based on the wants and needs of drivers like you.^ Many of our benefits are listed below to help you choose what's best for you.

  • AXA TPFT
    AXA Comprehensive
    Damage to other people's cars or property
    Yes
    Yes
    Injury to other people
    Yes
    Yes
    Repair or replacement of your car if it is damaged by fire
    Yes
    Yes
    Repair or replacement of your car if it is stolen or damaged by theft
    Yes
    Yes
    Replacement of child car seats if stolen or damaged by theft or fire
    Yes
    Yes
    Overnight accommodation or onward travel*
    Yes
    Yes
    Courtesy car**
    Yes
    Yes
    Lifetime guarantee on repairs***
    Yes
    Yes
    Cover to drive your car in Europe for up to 90 days
    Yes
    Yes
    Replacement keys or locks if your car keys are stolen
    Yes
    Yes
    Round the clock support with our 24 hour claims line
    Yes
    Yes
    Repair or replacement of your car if it is damaged accidentally - even if it was your fault
    Not included
    Yes
    Replacement of child car seats involved in an accident
    Not included
    Yes
    £5,000 personal accident cover
    Not included
    Yes
    Windscreen repair or replacement
    Not included
    Yes
    Replacement keys or locks if your car keys are lost accidentally
    Not included
    Yes
    Cover in case you put the wrong fuel in your car
    Not included
    Yes
    Uninsured driver promise†
    Not included
    Yes
  • * if your car can't be driven following damage covered by your policy

    ** Subject to availability. 3 door l litre manual car provided whilst your car is being repaired by our approved repairer, or max 14 days for theft or total loss. Terms, conditions, exclusions and limitations apply.

    *** from our approved network for as long as you own your car

    †You'll get back your no claims discount and excess if your car is damaged by an uninsured driver. You will need to provide the make, model and registration number of the other car in the event of a claim. Applies when you are not to blame.

    ^Based on research involving 2,000 UK motorists, run by an independent research agency commissioned by AXA (Quadrangle, 2013)

  • Insurance Made Simple

    At AXA, we’ll always try to give you all the information you’ll need to make an informed choice on the car insurance that’s right for you.

    But if you’d like some free, independent advice on car insurance, you can visit askciindy.com, the Chartered Insurance Institute’s ‘Insurance Made Simple’ website.