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  • Car Insurance Policy details

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  • See before you buy

    Be clear on what you’re buying from us with our car insurance and read our sample policy documents here. Just click the links to view, save or print these PDF documents.

  • PDF iconSample car insurance policy summary (PDF 239 KB)

    Key facts about AXA Car Insurance.

    PDF iconSample car insurance policy wording (PDF 510 KB)

    Full details of AXA Car Insurance cover.

  • You will need Adobe Reader to view these documents. You can download Adobe Reader if you don’t have it already.

    These are sample documents. The policy wording and summary which apply to you will be available to view when you get a car insurance quote and then saved in your online account when you buy. If you already hold AXA car insurance, please log in to your AXA Account to view your own policy documents.

  • Do you know where your premium goes?

    Trying to understand why your car insurance premium costs what it costs can be confusing – especially when it goes up and down. It’s important to us that you know where your money is going. So we’ve broken it down to make it as simple and clear as possible.


    Every business has to make a profit to exist – we're no different. But the profit we make is less excessive than you might think. The average car insurance premium delivers just 4% of profit. That profit means we can keep on protecting you and your car, year after year.


    On average, 64% of all premiums are paid out on claims. Paying claims is at the heart of what we do – that’s the single reason you buy insurance, so you can be assured that when you buy a policy with us, that’s where the biggest chunk of your premium goes. We paid out over 99% of customers’ car insurance claims last year.


    Like all insurers, we pay into various industry funds that have been set up to protect you, the customer. For instance, the Financial Services Compensation Scheme protects you against an insurer going bust and the Motor Insurers’ Bureau will compensate you if you are hit by an uninsured driver.


    It costs to keep the lights on. Like any business, expenses are necessary to keep us running. That’s why some of your premium goes towards our employees’ salaries and the cost of our offices, as well as investing in the most innovative technologies to make your experience with us as smooth and simple as possible.


    The Government adds tax to your insurance premium. It’s called Insurance Premium Tax, or IPT for short. Unfortunately, this is the one part of your premium we have no control over. However, we do work hard on making sure the Government understands the impact this tax has on customers and to persuade them that 12%* is plenty!

    Calculations based on 2015, 2016 AXA Car Insurance Policies. *IPT is 12% on top of your premium but it makes up 10.7% of the overall cost to you. Percentages rounded to the nearest whole number.