When taking out a home insurance policy with AXA, you have the option to tailor your policy to your needs. You can add optional extras to your policy either when you’re getting a quote or at any point throughout your policy and you can do this yourself simply by logging in to your AXA account online. There are six optional extras you can add to your policy but it’s worth noting that some of these optional extras are included as standard in AXA’s HomeSure and HomeSafe policies.
As you might have guessed, this protects you against accidental damage, such as accidental spillages on your furniture, broken windows, cutting through an electric cable or drilling through a water pipe. Accidental damage for buildings is included as standard with HomeSafe and HomeSure policies and can be added for an additional price to HomeSmart policies. Accidental damage for contents is included in all HomeSafe policies but can be added to HomeSmart and HomeSure for an additional price.
This protects items that you take out and about with you, such as mobile phones, jewellery and bicycles. You can add personal possessions protection of up to £30,000. HomeSafe policies cover your personal possessions up to £2,500 but you can choose to increase this to £30,000 for an additional price.
If you add home assistance to your policy, you can call AXA’s domestic helpline any minute of any day and they will arrange for an authorised contractor to get your home back to normal as quickly as possible. You’ll be covered for up to £1,000 per claim for call out, materials, labour and parts. This level of cover is included as standard in all HomeSafe policies with a higher limit of £1,500 per claim for call out, materials, labour and parts.
If you find yourself in a situation where you need expert legal assistance, you could be left seriously out of pocket. With additional legal expenses cover, you’ll receive up to £50,000 of legal cover. You’ll also get access to a free 24 hour legal helpline and discounts on services such as will writing and conveyancing. Legal expenses cover is included as standard with all HomeSafe policies with a higher limit of £100,000.
AXA’s student cover protects students possessions whilst they’re living away from home in student accommodation. You can get up to £5,000 of cover per student.
You can add bicycle cover to your AXA home insurance policy to protect against loss or damage in and away from home. You’ll get up to £1,500 cover for each bicycle and £3,000 in total.