AXA UK

AXA UK: car, home, health and business insurance in the UK

AXA UK is the British division of the AXA insurance group. Its activity focuses on the sale and management of insurance policies for individuals and businesses in the UK, with claims handling and policy administration through its website and telephone support.

Insurance for individuals

The catalogue for individual customers includes car, home, travel, health, van and landlord insurance. For car insurance, options include MultiCar insurance, comprehensive cover, third party, fire and theft, and a specific policy for electric vehicles. Optional extras include breakdown cover, legal cover, personal injury and rehabilitation cover, and a courtesy car.

In the home insurance line, it offers buildings insurance, contents insurance, renters and tenants insurance, home insurance for landlords, flat insurance, new builds insurance and flood insurance. Optional extras include accidental damage cover, personal possessions insurance, home emergency cover, garden contents cover, student cover and bicycle insurance.

The health offering includes private individual and family policies, as well as dental insurance, private online GP appointments and cover for small and large businesses. Specific options are also detailed for Scotland, Northern Ireland, the Channel Islands and the Isle of Man, plus international health insurance.

Insurance for businesses and professionals

For the business segment, AXA UK offers general and public liability insurance, employers' liability insurance, professional indemnity insurance, contents insurance, business interruption insurance, goods in transit insurance, contract works insurance, tool insurance, business equipment insurance, legal expenses cover and cyber insurance. The company offers policies tailored to specific trades, such as electricians, plumbers, builders, carpenters, painters, gardeners, locksmiths, cleaners, mechanics, alarm installers and roofers, among others.

It also provides cover for professional and service activities: consultants, architects, tax advisers, designers, software developers, translators, photographers, trainers, personal trainers, hairdressers, beauty therapists and barbers, among other profiles. In the commercial sphere, it covers businesses such as clothes shops, florists, pet grooming businesses, pet shops, pubs and bars, restaurants, supermarkets, cake makers and decorators, antique dealers, artists, bakeries, butchers and fishmongers, among others.

Policy and claims management

Customers can register to manage their policies online, change cover, renew and make a claim without needing to call. The company states that digital management allows changes to be made 24/7 and avoids certain admin fees for some policy changes. The site offers separate access for each line: car, home, travel, health, van, business and landlord.

Catalogue and claims data

The site indicated that car insurance could be purchased from £275, an amount that 10% of comprehensive policy customers paid or less between 1 June and 31 August 2026. For home insurance, the advertised minimum premium was £199 for the AXA Plus policy, with the same time reference and percentage of customers. The company stated that it pays out 98.4% of car insurance claims and 80.9% of home insurance claims, based on personal insurance claims data for policies underwritten by AXA Insurance UK plc between January and December 2025.

Resources and support services

The site includes guides and FAQs on vehicle maintenance, road safety, driving in hazardous conditions, driving abroad, breakdowns, dashcams, home safety and maintenance, home buying and selling, heating and energy, and coping with extreme weather. It also offers specific support sections for accessibility, bereavement, money worries and mental health, as well as a list of alternative contacts.

AXA Startup Angel competition

The company promotes the AXA Startup Angel competition, aimed at entrepreneurs, in which a prize of £25,000 was announced.