AXA Home Insurance Review and Quotes

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if AXA is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on AXA home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is AXA the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail AXA's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for AXA

	Safe rating	Our opinion
Customer service & satisfaction and claims		Covers more than 10M british residents 91,8% of claims paid last year (£4168 average pay out) Average Trustpilot rate
Cover provided for your home		3 years repair guarantee Accidental damage cover included as standard with HomeSafe building insurance £30 000 compensation limit for personal possessions with HomeSure 3 levels of cover to suit anybody's needs
Value for money		Discount for buying combined policy NCD available Switching fees not covered
Financial strength		High financial strength Most claims paid out
Technology		Customer portal 24/7 to fully manage your policy online Claim process 100% online Virtual assistant available Well organized website Facebook and Twitter help support available

Expert and customer satisfaction reviews for AXA home insurance

Review organisation	AXA home insurance reviews
Defaqto expert
Trustpilot	3,5/5 based on 2,102 customers reviews
Overall Which? Score	66%

Our general opinion on AXA home insurance

AXA was founded in the early 18s and is now one of the european's largest insurance provider. The company offers home, car, van, travel, landlord and business insurances.
AXA offers different levels of cover for your home from the most basic to the most comprehensive one.
The comprehensive one, called HomeSafe, ranks among the top home insurance policies across UK. Accidental damage, personal possessions and legal expenses are included as standard (and not as optional extras).
You will find below all details regarding the HomeSure standard home insurance.

If you are looking for cheaper rates, AXA also offers a lower level, HomeSmart, covering up to £500K for building insurance maximum sum insured as well as 30 days of unoccupancy period covered which is rather low.

What does AXA home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at AXA will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at AXA covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

AXA buildings and contents insurance

AXA provides three main types of household insurance:

• Buildings insurance
• Contents and personal possessions insurance
• Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

AXA building insurance	Limits
Maximum sum insured	£1 000 000
Owner liability	£2 000 000
Alternative emergency accomodation	£50 000
Period of home's unoccupancy cover	60 days
Repairs guarantee period	3 years
Trace and access	£5 000
Burst pipe	As standard
Blockage of sewer pipe	Available as extra
Gradual build-up of groundwater	Not covered
Subsidence	As standard
Underground services	As standard
Keys cover	£1 000
Flood and storm damage (except for fences)	As standard

Let’s have a look now at Esure contents insurance limits:

Contents insurance	Limits
Maximum sum insured	£85 000
Owner liability	£2 000 000
Alternative emergency accomodation	£20 000
Period of home's unoccupancy cover	60 days
Damage made by pets	Not covered
Contents kept in garden	£2 500
Contents kept in outbuildings (garage included)	£5 000
Thefts from outbuildings	£5 000
Single item limit for valuables	£10 000
Items temporarily removed from home	Not covered
Money in and outside the home	Inside: £1 000 Outside: £500 (under personal possessions cover - optional extra)
Credit cards in and outside the home	Inside: £2 000 Outside: £1000 (under personal possessions cover - optional extra)
Business equipment kept at home	£7 500
Student equipment	£5000 (available as extra)
Keys cover	£1 000

AXA home insurance additional cover

On top of your AXA buildings and contents insurance, you can find additional cover such as:

	Home insurance additional cover
Accidental damage cover	Included in building insurance Optional extra in contents insurance
Home emergency	Optional extra Up to £1 000 per call out Up to £250 for emergency accommodation
Boiler cover	Part of the home emergency optional extra Up to £1 000 for boiler repair Up to £250 for boiler replacement
Legal protection	Optional extra Up to £50 000 for expert lawyers fees
Personal possessions	Optional extra Up to £30 000 for personal possessions cover at home Up to £10 000 for single item limit away from home Up to £1 000 limit for personal possessions kept in a car
Mobile cover	Part of the personal possessions cover Up to £10 000 limit
Bicycle cover	Optional extra Up to £1 500 limit

AXA home insurance excess

The deductible you'll have to pay in case of claims are as described below:

	For both building and contents insurance
Excess for standard claims	£100
Excess for escape water claims	£350
Excess for subsidence claims	£1 000
Excess for personal possessions	£100
Excess for keys	£0

AXA home insurance fees and NCD

To manage your policy, renew, cancel or modify it, AXA fees are as follows:

	Fees applied to manage your AXAhouse policy
Interests on payment installments	Varies
To renew my policy	£0
To adjust my policy	£0 / £10 by phone
To duplicate documents	£0
To cancel my policy during cooling-off period	£0
To cancel my policy outside cooling-off period	£30
For payment default	£15
To switch from one insurer to AXA	Not covered

How much does AXA home insurance cost?

You will below indicative quotes for building and contents insurance at AXA:

	Building insurance	Contents insurance
Excess	£100	£100
Home cover	Building: £250 000 Contents: £20 000 Personal items: £4 000	Building: £500 000 Contents: £50 000 Personal items: £8 000
Premium	£190,30	£373,39

It is very difficult to give a precise range of how much exactly will your home insurance cost at AXA as it will mainly depend on:

• The insurance you apply for (building, contents, combined insurance, extras)
• Your address
• Your claim record
• The insured value of your home and of your personal belongings, etc.

AXA will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

AXA home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on AXA home insurance?

At AXA, you can submit your claim online or by phone.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

	How to claim on AXA home insurance?
Claim online	Claim form
Claim by phone	0330 024 8086

How can I cancel AXA house insurance?

To cancel your AXA house insurance, here is what you need to know:

	Cancelling your home insurance at AXA
Cancellation notice if AXA cancel your policy	21 days
Cancellation fees	Fees during cooling-off period: £0 Fees outside cooling-off period: £30
Cancel by email	[email protected]
Cancel by phone	0330 0241 235 Monday to Friday: 9am – 5pm.

How to contact AXA home insurance?

Services	Phone numbers	Opening hours
Claims	0330 024 8086 For claim complaints: 0330 024 1277	Mon - Fri: 9am – 5pm Sat: 9am – 1pm Bank holidays 9am – 4pm
Manage payment	0330 024 1239	Mon - Fri: 9am – 5pm
Customer service / cancellation	0330 024 1235	Mon - Fri: 9am to 5pm
Home emergency	0330 024 1259	24/7
Legal helpline	0330 024 1278	24/7

AXA home insurance contact details

	AXA contact details
AXA address	6th Floor, AXA Insurance Brooke Lawrance House Ipswich IP1 2AN.
Customer service email	Email form available through the Send Us an email button here: https://www.axa.co.uk/contact-us/home-insurance/
Chatbot available	Not available

How do I get AXA home insurance quotes?

To get a quote online at AXA, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If AXA is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get AXA home insurance quotes, you will need to provide:

• Your personal information: ID, age, phone number and job
• Your address and postcode
• Your homeowner record (claims included)
• Your home description (type of property, the date it was built, how many square metres inside and outside)
• Your property related status: do you own it, rent it, have a mortgage on it, etc.
• Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

• Are you a first-time buyer?
• Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
• Has the property ever been damaged by flood?
• Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your AXA house insurance quote

• Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
• Increase the excess amount you are willing to pay in case you make a claim.
• Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
• Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
• Consider index-linked cover for building insurance to follow prices of building materials.