Compare Care Insurance Benefits in Ireland

Benefits and extras

Choose car insurance cover to suit your needs

Compare the benefits included in our policies and tailor your level of cover through our optional extras.

The benefits of AXA Car Insurance

Depending on the type of car insurance policy you choose, the level of cover and benefits included will be different. Compare the options below and decide which policy suits your needs.

Third Party Car Insurance Only

Our basic car insurance option gives you what you need (not available online).

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Third Party, Fire & Theft Insurance

Our basic cover plus protection against fire and theft damage.

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Comprehensive Car Insurance

Our most complete cover protects you and your vehicle.

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75% No Claims Discount

Every year you don’t claim on your policy we’ll offer a discount in your renewal premium. For 5 years without a claim we’ll offer a 75% discount.

Accident forgiveness

Stepback No Claims Discount so you won’t lose your full discount if you have an accident, or if someone makes a claim against you.

Drive other cars

With this cover, if you are over the age of 25 you may be eligible to drive other cars.

Travel Europe

You’ll be covered to travel to Europe with your car for up to 90 days per year during your period of insurance.

Medical expenses and emergency treatments

If you, your driver or a passenger in your car are injured while travelling in your car we’ll cover up to €200 for medical expenses per person. We’ll also cover up to €200 towards emergency treatment.

AXA Plus

Lots of exclusive offers in motoring, home and lifestyle stores and services across Ireland – only for AXA customers.

Replacement car

If your car has been damaged as a result of an accident, but it is still repairable, we’ll provide a replacement car while yours is being repaired, for however long it takes. The repairs must be carried out by an AXA approved repairer.

Pick-up and delivery

We pick up your damaged car, provide a replacement car, and deliver your car back to you when it’s fixed. Includes a lifetime guarantee on parts.

Excess-free claims

There is no excess on windscreen, fire and theft claims. For any other repairs, you can reduce your excess by €100 when you use an AXA-approved garage.

Personal belongings

We will pay you up to €750 for personal belongings in your car that were lost or damaged as a result of accidental fire or theft.

Replacement locks

We will pay you up to €750 towards replacing your car locks and alarms if your keys are stolen.

Fire brigade services

We will pay charges of up to €1500 for putting out a fire in your car.

Child car seats

We will pay you up to €600 for child car seats, booster seats, pushchairs, prams and buggies or carrycots carried in your car if they are lost or damaged due to accident, fire, theft or attempted theft.

Electric car chargers

If your car is an electric vehicle (EV) or a plug-in, hybrid vehicle (PHEV) model we will pay up to €650 for accidental damage to your wall charger, provided it isn’t already covered under your home insurance.

Misfuelling cover

Put the wrong fuel in? Don’t worry, sometimes these things happen. Now you’re covered for up to €350 on own car and when driving other cars.

Uninsured driver promise

Claim Without Blame - if an identified uninsured driver hits your car, you won’t lose your No Claims Discount.

Accidental damage or loss of your car

Windscreen cover

We will pay the cost of repairing or replacing damaged or broken glass in the windscreen or windows of your car and the body work being scratched as a result of the glass breaking. This will not affect your no claims discount.

Terms and conditions apply. Please refer to the AXA policy booklet for more information.

Car insurance benefits - replacement car

What is AXA’s Replacement Car benefit?

If your car is a write-off following an accident, fire, theft or attempted theft, we will arrange for a hire car for up to 21 days whilst you source an alternative vehicle. The hire car provided is usually an economy class 1.2 litre car. This cover only applies if you have Comprehensive cover, or Third party fire and theft cover and the damage is caused by fire, theft or attempted theft.

AXA Car Insurance optional extras

AXA offers the following optional extras that are available to add to your car insurance policy at an additional cost. Our extras allow you to tailor your car insurance cover to suit your needs.

Protected No Claims Discount

This extra allows you to make one claim during the year without affecting your no claims discount.

A maximum no claims discount takes years to earn but only seconds to use, so protecting it is advisable so you can make one claim without penalty.

Terms & conditions apply.

Car & key rescue

24-hour roadside and driveway assistance in Ireland and the UK. Our breakdown assistance will get you going following mechanical problems, a flat battery or even just a puncture.

If repairs are possible, we’ll provide up to one hour’s labour, providing the repair is carried out at the scene.

Broken glass

Covers windscreens, windows and the scratched paintwork on your car caused by broken glass. Repairs are unlimited if you use an AXA approved supplier.

This cover is included as standard with Comprehensive car insurance or it can be added to your third party, fire & theft policy.

Open driving

This covers anyone between the ages of 25-70 with a full licence to drive your car, so you won’t need to add drivers to your policy.

With Open Driving from AXA you can be sure that everyone is covered so you won’t need to add drivers individually to your policy.

Comprehensive driving of other cars

Get comprehensive cover when you drive other cars that are not owned, hired or leased by you. This cover is now included as standard on a comprehensive policy so you can enjoy the same comprehensive cover you have on your own policy when driver someone else’s car.

If you have an accident whilst driving a car you don't own, we'll pay for damage to the car, up to €50,000, as well as any third party claims made against you as the driver.

Injury to driver

Did you know that you’re not covered if you are seriously injured in an accident that is your fault? Injury to driver cover provides financial support should this ever happen, so you can concentrate on getting well.

The main benefits include €10,000 if you or a named driver are seriously injured in a road accident or €30,000 if you or any named driver named are killed as a result of a motor accident involving your car.

Replacement Car Plus

This extra enhances your replacement car cover by giving you a better standard hire car (for up to 14 days) if your car is stolen or damaged (provided you use our approved repairer).

Legal expenses

If you are the victim of a miscarriage of justice or an uninsured driver, our legal expenses extra will cover solicitor’s fees and other out-of-pocket expenses to pursue damages on your behalf or to defend you in the event of a claim.

Terms, conditions and exclusions apply. Please refer to the AXA policy booklet for more information.