AXA Home Insurance Review and Quotes

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Alexandre Desoutter updated on July 27, 2020

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 ratingOur 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


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

Safe rating for AXA home insurance

Expert and customer satisfaction reviews for AXA home insurance

Review organisationAXA home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot3,5/5 based on 2,102 customers reviews
Overall Which? Score


Consumer satisfaction rates on reviews for AXA home insurance

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.

Good to know

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

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.

Good to know

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

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 insuranceLimits
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


As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

AXA building insurance

Good to know

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

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

Contents insuranceLimits
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 homeInside:

£1 000


£500 (under personal possessions cover - optional extra)

Credit cards in and outside the homeInside:

£2 000


£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 contents insurance

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 main excess

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 installmentsVaries
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 AXANot covered
Home insurance fees at AXA

How much does AXA home insurance cost?

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

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at AXA

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 to claim on my home insurance at AXA

Good to know

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

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 policy21 days
Cancellation feesFees 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 cancel my AXA home insurance

How to contact AXA home insurance?

ServicesPhone numbersOpening hours

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


Legal helpline

0330 024 1278


How to contact AXA home insurance

AXA home insurance contact details

AXA contact details
AXA address

6th Floor, AXA Insurance
Brooke Lawrance House
IP1 2AN.

Customer service email

Email form available through the Send Us an email button here:

Chatbot available

Not available

AXA contact details

How do I log in to AXA customer portal?

You can log in to your customer portal through this link:
This allows you to manage your insurance policy

  • access your document , save PDFs
  • manage your policy, make changes, renew itget a quote
  • get a quote.

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.
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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.