Types of car insurance cover

What different car insurance options are there?

When you get a car insurance policy with AXA, you have two different cover types to choose from: comprehensive or third party, fire and theft.

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.

What does my insurance cover?

Third party, fire and theft car insurance

With a third party, fire and theft policy, you are covered for:

  • Damage to other people’s cars or property
  • Injury to other people
  • Repair or replacement of your car if it is damaged by fire
  • Repair or replacement of your car if it is stolen or damaged by theft
  • Replacement of child car seats if stolen or damaged by theft or fire

Alongside this, you also receive the following benefits:

  • Overnight accommodation or onward travel1
  • Courtesy Car2
  • Lifetime guarantee on repairs3
  • Cover to drive your car in Europe for up to 90 days
  • Replacement keys or locks if your car keys are stolen
  • Round the clock support with our 24-hour claims line

Comprehensive car insurance

With comprehensive car insurance, you’ll receive all the benefits and cover that comes with a third party, fire and theft policy. On top of this, you’ll also be covered for:

  • Repair or replacement of your car if it is damaged accidentally – even if it was your fault
  • Replacement of child car seats involved in an accident
  • £5,000 personal accident cover
  • Windscreen repair or replacement
  • Replacement keys or locks if your car keys are lost accidentally
  • Cover in case you put the wrong fuel in your car
  • Uninsured driver promise4

Optional extras

Alongside your basic policy, you can also add a range of optional extras to your cover. These provide additional cover and support when you need it most. We offer the following optional extras:

Courtesy car upgrade

If you can’t use your car due to a valid car insurance claim, we’ll keep you on the road with a courtesy car while your car is being repaired. However, with the courtesy car upgrade, we’ll ensure that your hire car is a similar size to the car you own. So, if you drive a 7-seater, we’ll do our best to make sure you get a 7-seater hire car while your car is being repaired – which should hopefully let you get on with your life as normal.

Breakdown cover

The last thing you want during a breakdown is to be left on the side of the road. With our breakdown cover, we’ll make sure you aren’t stranded by the roadside. You have the choice of 4 different levels of breakdown cover: AXA Local, AXA Nationwide, AXA Nationwide and Homestart and AXA European. You can find out more about these different cover options on our breakdown cover page.

Legal cover

Receive up to £100,000 in legal fees for our approved network of solicitors. If you were not at fault for an accident, they will help you get back any uninsured losses from the person we can prove was at fault.

Personal injury and rehabilitation

With our improved personal injury and rehabilitation cover, you can rely on up to £100,000 if you’re injured in your car – even if you were at fault. This support might just make the difference to you and your family when you need it most.

Alongside this, we’ll provide you with specialist medical care and rehabilitation to help you following an injury. Physiotherapy, MRI scans and chiropractic treatments are just a few of the services our experts could arrange to put you on the road to recovery.

Even the safest drivers don't know what's around the corner, so it's reassuring to know you're taking extra care, just in case.

Protect your No Claims Discount

Earning your No Claims Discount takes years. However, it only takes a moment for it to be taken away. One small mistake could see you lose your No Claims Discount that you’ve worked hard to earn.

However, with our protection, you’ll be able to make a claim without it impacting your No Claims Discount. You’ll be able to make one claim in a year, or two claims in a three year period, without it affecting your No Claims Discount.

With AXA you can earn up to 20 years' No Claims Discount, so protecting it is the easy way to keep all your years safe.

Frequently asked questions

1 If your car can't be driven following damage covered by your policy

2 Subject to availability. Three door 1 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.

3 From our approved network for as long as you own your car

4 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.