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AXA
Founded in France in 1816, Axa is one of the world’s leading insurance groups, offering a broad range of insurance products. These include home, car, and travel insurance, as well as private health cover.
Alongside standard buildings and contents insurance, Axa also offers a further selection of niche property insurance, including specialist cover for flats and new-build properties.
Who underwrites Axa home insurance?
Axa home insurance is underwritten by Axa Insurance Plc ltd.
What does Axa home insurance cover as standard?
Axa offers a wide range of cover across its three policy levels.
Accidental damage cover is included with Axa’s Premier policy. It is also available on the lower tiers of cover, however, only as an optional extra.
To help you decide, the table below shows how each level of cover compares:
| What is covered | Axa Home | Axa Home Plus | Axa Premier |
| Accidental damage (buildings) | Optional Extra | Optional Extra | Optional Extra |
| Home Emergency | Optional up to £1,000 | Optional up to £1,000 | £1,500 |
| Moving Home (contracting purchaser) | Up to buildings cover maximum limit | Up to buildings cover maximum limit | Unlimited |
| Property owners liability | £2 million | £2 million | £2 million |
| Legal Expenses | Optional Extra | Optional Extra | £100,000 |
| Replacement locks/keys | £1,000 | £1,000 | £1,000 |
| Alternative accommodation if you can’t stay in your home | Up to £30,000 depending on type of policy | Up to £50,000 depending on type of policy | Up to £100,000 depending on type of policy |
| Accidental damage (contents) | Optional Extra | Optional Extra | Up to limit on policy schedule |
| Total valuables | £10,000 | £20,000 | £30,000 |
| Single article limit | £1,500 | £1,500 | £1,500 |
| Bicycle cover | £350 per bike (up to a total of £1,500) | £350 per bike (up to a total of £1,500) | £350 per bike (up to a total of £1,500) |
| Freezer food | £1,000 | £1,000 | £1,000 |
| Money | £500 | £500 | £500 |
| Business equipment | £2,500 | £5,000 | £7,500 |
| Digital assets | £500 | £500 | £500 |
| Documents | £500 | £500 | £500 |
| Contents in garden (including plants) | £1,500 | £3,000 | £4,500 |
| Contents in outbuildings | £1,500 | £3,000 | £4,500 |
| Special events increase | £7,500 | £7,500 | £7,500 |
Optional extras
To help customise your cover to suit your personal requirements, Axa offers a number of optional extras.
Each optional extra you choose will increase the overall price of your premiums. So, if you’re looking at adding more than one, selecting a higher level of cover with Axa that already has these extras included as standard may work out to be more cost-effective.
| Cover | Axa Home | Axa Home Plus | Axa Premier |
| Accidental Damage | Optional | Optional | Included as standard |
| Home Emergency Cover (provides assistance with home emergencies incl. 24/7 helpline and access to approved tradesmen) | £1,000 | £1,000 | Included as standard |
| Legal expenses | £50,000 | £50,000 | Included as standard up to £100,000 |
| Personal belongings | £15,000 | £15,000 | £15,000 |
| Bicycles away from home | £5,000 | £5,000 | £5,000 |
Excess and no-claims discount
As a general rule of thumb, home insurance policies have two types of excess – compulsory and voluntary.
Compulsory excess is the amount you pay towards each claim you make on your insurance policy. It is set by the insurer and is non-negotiable. Voluntary excess is an amount chosen by you and is paid on top of compulsory excess when you make a claim.
Voluntary excess with Axa ranges from £0 t £600. It’s worth bearing in mind that the more you’re able to pay towards any claim, the lower your premiums will be.
Axa does not offer a no-claims discount on any of its home insurance policies.
Defaqto rating
Two of three of Axa’s home insurance policies – Home Plus and Axa Premier – have been awarded a 5-Star rating by *Defaqto.