Car Insurance FAQ

The easiest way is to ring us on 1890 24 7 365. We will handle everything and try to make things as painless as possible

Contact us and we will handle everything. Do not reply to any correspondence – instead, pass it on to us.

If you use an AXA approved repairer, your car will be repaired (with a 3 year guarantee on parts) in the fastest possible time and, in the meantime, we will provide you with a replacement car for a maximum of 7 days.

Yes, but we would only do so if absolutely necessary.

We will give you the market value of your car (less the policy excess) unless you have previously purchased depreciation cover.

If you have comprehensive or third party fire & theft car insurance cover and your car was bought new, is less than 12 months old and the cost of repairs is more than 60% of the replacement cost, we will pay for a new identical model.

If you claim for accidental damage to your car, you have to pay the first portion of any claim. The amount you pay is called an excess. Please check your policy schedule to find out the amount of your excess.

For every year where you do not claim on the policy (up 5 years), we will give you a discount. The maximum no claims discount is 75%. If you claim you could lose some or all of this.

Yes, you can protect your no claims discount for a small extra charge. And, when you have had a maximum no claims discount with us for 10 years we will protect it free of charge for life.

• The following claims will not affect your no claims discount;
• Fire
• Theft (or attempted theft)
• Windscreen/glass breakage
• Loss/damage to personal effects
• Fire brigade charges
• Replacement locks

You must tell us and the Gardai. As long as you have theft cover, we will give you the market value of your car if it is not recovered.

If your car breaks down or just won’t start, one phone call to our Motor Breakdown Assistance centre will put things right. We’ll send a mechanic to help you. If things can’t be fixed on the spot, we will tow your car to a repairer and, if needs be, help you to complete your journey.

If you have bought Motor Breakdown Assistance, we can help you. We will pay for one hours labour to get into your vehicle.

If you have comprehensive or third party, fire & theft cover and your keys were taken from your home by burglars, we will pay up to €750 to get new keys or an alarm remote control made up. Otherwise your policy does not cover you.

Your policy will cover your journey to and from work. If you use it in connection with your work, please contact us to make sure you are protected.

No. Loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left unsecured or left in or on an unattended car is not covered.

Most of our customers (aged over 25 years and with a full licence) have automatic third party cover to drive someone else’s car. The easiest way to see if you are covered is to check your certificate of insurance.

When you’ve been with us for 3 years with comprehensive cover, we will upgrade your third party “driving of other cars” to comprehensive driving of other cars, at no extra cost.

The easiest way is to read your certificate of insurance. Paragraph Six will clearly explain who can drive. Other drivers will be named or described.

If you are not happy with the service we give you, contact your branch. If you are still unhappy, contact our customer care team on 1890 211 850

You are not covered for wear and tear, routine mechanical faults, loss in value, punctures or tyre damage and parking, speeding fines and so on.

Glass cover is automatic if you have comprehensive insurance. You can add it to a Third Party or Third Party Fire and Theft policy for an additional premium.

We will cover the cost of having your glass replaced or repaired. This includes replacing or repairing broken or damaged windscreens and windows of your car.

If you have glass breakage cover and want to make a claim, you must telephone us on 1890 24 7 365 before any repair/replacement work is carried out.

If you use one of our nominated repairers (AllGlass or Mr. Windscreen) cover will be unlimited.

If you use your own repairer, cover will be limited to €250 for replacement glass or €50 for a repair.

Yes. If you cancel within 14 days of buying, we will refund part of your premium (less an administration charge) provided you have not had any claims.

It is important that you know that if you cancel after 14 days in the first year of cover, you will not get a proportionate return of your premium (less an administration charge). For example, if you cancelled your policy after 6 months, you would only get 35% of your premium back (less an administration charge). And after 9 months, you would not get any refund at all.

However, if you cancel in your second or subsequent year, we will give you a proportionate refund (for example, cancellation after 6 months would see a refund of 50% of your premium, less an administration charge).

We can only cancel cover when we receive the insurance certificate and disc back from you.

It couldn’t be easier. Just log onto "My AXA" and follow the simple steps. We can handle changes of car, driver, address and a host of other routine alterations there and then.

If something falls outside of these changes just contact us online Or phone us at 1890 24 7 365

To ensure that you receive e mails from AXA.ie you may need to review your email settings for spam blockers. We have compiled some guidance on how to do this for the major commercial UK email providers. Please follow the instructions below:,
If you have a separate spam-filtering software program installed on your computer then you will need to add AXA.ie to any filters or whitelists which are specified within your particular program.

Gmail
- Open your Gmail account
- Click on the ‘Settings’ link in the top right hand corner of the page
- Click on ‘Filters’ and then on ‘Create a new filter’
- Type in @AXA.ie in the ‘from’ text box and click ‘Next Step’.
- Select ‘Never send it to spam’ and click ‘Create filter’.

Yahoo Mail / BT Internet
- Open your Yahoo! / BT Internet Mailbox
- Click on ‘Options’ (on the top right hand side of the screen)
- Click on ‘Filters’
- Click on ‘Add’. From here enter AXA as the name for the filter. In the ‘From Header’ make sure ‘this contains’ is selected on the drop down menu. Click on the text box next to this and enter @AXA.ie.
- At the bottom of the screen you will be given the option: ‘Move the Message to’. Select ‘Inbox’ from the drop down menu and then click ‘Add Filter’.

Hotmail
- Open your Hotmail account
- Click on the ‘Options’ link in the top right hand corner of the page
- Click on ‘Contacts’ and then on ‘Safe List’
- Type in @AXA.ie in the available text box and click ‘Add’.

AOL
- Open your AOL email account
- Click on ‘Settings’
- Click on ‘Spam Controls’
- Click on ‘Control from whom I get Email’ link under Additional Spam Filters
- Click on ‘Custom sender list’
- Type @AXA.ie in the available text box and click Add
- Click on ‘Save’ on the following two pages

NTL
Unfortunately it is not possible to override NTL’s automatic spam filtering mechanism. The best option we can suggest is to set up a spam folder and review its contents regularly. This would be done as follows:
- Open your NTL email account
- Click on the ‘Options’ link on the left of the page
- Click on ‘Spam’
- Click on ‘Send to Webmail Spam folder for 7 days’ and click ‘OK’

This will send any suspected spam into the folder called ‘Spam’. You should then regularly check this folder to see if AXA.ie has been wrongly identified as spam. If it has then put a tick against AXA.ie and click on the ‘Move to Folder’ drop down list and select ‘Inbox’.

You can send your proof documents required in your My AXA account to:

The Internet Team
AXA Insurance Limited
Wolfe Tone House
Wolfe Tone Street
Dublin 1