Compare Axa Car Insurance Quotes
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- You could save up to £535* when comparing quotes online
Ways you could reduce the cost of car insurance
Step One
Complete the simple form
Fill in the required details and insurance preferences for your vehicle.
Step Two
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Step Three
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Axa's UK insurance business, AXA Insurance UK Plc, incorporated in 1903, though the wider Axa Group traces back to a French mutual insurer founded in 1816 and only took the Axa name in 1986. Its UK presence grew substantially in 1999 when it acquired Guardian Royal Exchange, and it now sells car insurance direct to UK drivers as AXA Car Insurance and AXA Plus Car Insurance, alongside home, business and van cover.
How HowMuch works with Axa
We're partnered with Quotezone.co.uk, as an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860). Axa is part of Quotezone's panel of insurers and is included when you run a car insurance search. Quotezone compares your details against the underwriting criteria set by Axa, alongside every other insurer on its panel. That means a quote from Axa isn't guaranteed on every search. It depends on how your profile matches their risk appetite on the day, along with factors like your car, postcode and driving history. Quotezone runs the comparison and includes them in the results alongside other insurers. HowMuch doesn't have a direct commercial relationship with Axa. We receive a commission if you purchase a policy. We do not provide advice or make recommendations.
Types of car insurance cover
Comprehensive
The highest level of cover. Pays out for damage to your own car as well as third-party vehicles, theft, fire and personal injury.
Third Party, Fire & Theft
Covers damage to others, plus your own car if it is stolen or damaged by fire. Often a sensible middle ground for lower-value vehicles.
Third Party Only
The legal minimum in the UK. Pays out for damage you cause to other people's vehicles or property — nothing for your own car.
Black Box (Telematics)
Premiums based on how you drive. A device in your car tracks mileage, speed and braking. Often cheaper for young or new drivers.
Axa's policies
Axa sells two products, AXA Car Insurance and AXA Plus Car Insurance, each available on a comprehensive or third party, fire and theft basis.
Included as standard on every cover level
- Theft and fire cover for your own car
- Damage or injury claims from other people
- A lifetime guarantee on repairs carried out by an approved repairer
- 90 days of European cover
- Audio and sat-nav cover up to £1,000
- Child car seat cover up to £300
AXA Comprehensive Car Insurance
adds, on top of the above:
- Accidental damage cover
- Uninsured driver promise
- Personal belongings cover
- Windscreen cover
- Personal injury cover
AXA Plus Comprehensive Car Insurance
includes everything in AXA Comprehensive, plus:
- Key cover
- Wrong fuel cover
- A courtesy car included as standard, rather than sold as an optional extra
Optional extras
- Breakdown cover, four levels available, from roadside assistance up to full recovery and onward travel
- Legal cover, for legal costs after an accident that wasn't your fault
- Personal injury and rehabilitation cover, up to £100,000, including physiotherapy and chiropractic treatment after a road accident
- Courtesy car, included as standard with AXA Plus, available as a paid extra on standard AXA policies, with a £9.99 upgrade to a similar-sized replacement vehicle
Who is Axa best for?
Axa suits drivers who want a large, well-established insurer backing their policy rather than a smaller specialist brand. AXA Plus earns its higher premium for drivers who'd otherwise buy a courtesy car separately, since it's bundled in along with key cover and wrong fuel cover that standard AXA doesn't include. Drivers happy to build their own cover from add-ons will get more value from standard AXA Car Insurance, since it strips out the extras Plus bundles in as standard.
What factors can affect the cost of car insurance?
While some of the biggest factors affecting your price — like your age and driving experience — are out of your control, you can still lower your car insurance cost by making a few policy changes.
Compare quotes
Shopping around could help you find a cheaper deal, as prices can vary widely between insurers.
Buy early
Insurers generally offer better prices 3–4 weeks before your policy start date.
Policy choice
Buy car insurance 25+ days before renewal.
Pay annually
Insurers add interest charges to monthly instalments, making this a more expensive way to pay overall.
Policy choice
Select annual payment if affordable.
Add a named driver
Adding more experienced named drivers can lower your premium, as insurers see the policy as less risky.
Policy choice
Have additional experienced drivers named on the policy.
Increase excess
If you pay more towards any claim you reduce the insurer's risk, so they will usually drop your premium.
Policy choice
Set a higher voluntary excess you can afford.
Add driving licence
Adding your driving licence number lets insurers verify your details and assess your risk more accurately.
Policy choice
Add all driver licence numbers.
Cut add-ons
Removing add-ons you don't need or can get elsewhere will lower your premium.
Policy choice
Remove cover like breakdown if you have it elsewhere.
Drive fewer miles
Cutting back on driving where possible can lower costs, as you're a lower risk of making a claim.
Policy choice
Estimate annual mileage accurately.
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Axa is a trading name of AXA Insurance UK Plc, authorised and regulated by the Financial Conduct Authority (FRN: 202312).
*51% of consumers could save £535.17 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2026 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Howmuch Holdings Ltd is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. Howmuch Holdings Ltd do not offer financial advice and we receive a commission for any policies purchased, at no cost to you.
Car insurance FAQs
Yes. Employment details can influence the cost. If a role requires significant time on the road, providers may view this as an increased risk. Statistically, certain occupations are associated with higher claim frequencies, which can impact the premium.
Paying in a single annual lump sum is typically the most cost-effective method. While monthly instalments can help with budgeting, they usually involve interest charges on the credit provided, making the total cost higher over the year.
Providers typically perform a "soft search" to verify details when generating quotes; this does not affect a credit score. However, a full credit check is usually required if you choose to pay via monthly instalments.
To estimate mileage, calculate weekly usage and multiply by 52, or check previous MOT certificates for an accurate historical record. Accuracy is essential: underestimating can invalidate a policy, while overestimating can lead to higher premiums than necessary.
Contact the insurance provider directly to start the process. If theft or vandalism is involved, a crime reference number from the police is required. Ensure details of other drivers and witnesses are gathered. All incidents must be reported to the insurer, even if a claim is not being pursued.
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