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 coveredAxa HomeAxa Home PlusAxa Premier
Accidental damage (buildings)Optional ExtraOptional ExtraOptional Extra
Home EmergencyOptional up to £1,000Optional up to £1,000£1,500
Moving Home (contracting purchaser)Up to buildings cover maximum limitUp to buildings cover maximum limitUnlimited
Property owners liability£2 million£2 million£2 million
Legal ExpensesOptional ExtraOptional Extra£100,000
Replacement locks/keys£1,000£1,000£1,000
Alternative accommodation if you can’t stay in your homeUp to £30,000 depending on type of policyUp to £50,000 depending on type of policyUp to £100,000 depending on type of policy
Accidental damage (contents)Optional ExtraOptional ExtraUp 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
Business equipment£2,500£5,000£7,500
Digital assets£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.

CoverAxa HomeAxa Home PlusAxa Premier
Accidental DamageOptionalOptionalIncluded as standard
Home Emergency Cover (provides assistance with home emergencies incl. 24/7 helpline and access to approved tradesmen)£1,000£1,000Included as standard
Legal expenses£50,000£50,000Included 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.

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