AXA Reviews

AXA home insurance offers brand new replacements if the contents of your home are damaged or stolen.

7.5 /10
Based on 2616 reviews
#5 of 10 home insurers
  • 2616 reviews found on websites such as TrustPilot
  • Awarded a 5 Star rating by Defaqto
  • Brand new replacements if contents are damaged or stolen
  • Up to £1,000 emergency cash advance with contents insurance
  • Repairs by their approved suppliers guaranteed
  • UK based team

Price Band

£ £ £ £ £

Good for

  • Rated 5 stars by Defaqto
  • No limit to buildings' cover
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Quotes our team received

Home Insurance Pricing Image One


Covers the contents of your home only

Contents Only Quote

Per Year

Buildings' Cover Limit

No limit

Contents' Cover Limit

Home Insurance Pricing Image Two


Covers the physical structure of your home as well as the contents

Buildings & Contents Quote

Per Year

Buildings' Cover Limit

No limit

Contents' Cover Limit


Compare AXA home insurance policies

Whether you’re after buildings only insurance, contents only insurance or buildings and contents insurance combined, AXA has a policy to suit your needs. You can choose from their HomeSmart, HomeSure and HomeSafe levels of cover and you’ll also have plenty of optional extras to choose from to give you added protection.

Buildings insurance

  HomeSmart HomeSure HomeSafe
Maximum sum insured £500,000 £1,000,000 Unlimited
Guaranteed repairs Included Included Included
Accidental damage for buildings Optional Included Included
Alternative accommodation £50,000 £50,000 £100,000
Personal possessions Optional Optional £2,500
Replacement keys and locks £500 £1,000 £1,000
Legal expenses Optional up to £50,000 Optional up to £50,000 Included up to £100,000
Home emergency cover Optional up to £1,000 Optional up to £1,000 Included up to £1,500
Trace & access Included Included Included
Architects fees & debris removal Included Included Included
Emergency access Included Included Included
Moving home (contracting purchaser) £500,000 £1,000,000 Unlimited
Property owners liability £2,000,000 £2,000,000 £2,000,000
Maximum occupancy 30 days 60 days 60 days


Contents insurance

  HomeSmart HomeSure HomeSafe
Maximum sum insured £75,000 £85,000 £100,000
Total valuables £20,000 £25,000 £30,000
Single valuable limit £5,000 £10,000 £15,000
New for old replacement Included Included Included
Repairs guaranteed Included Included Included
Emergency cash advance Included Included Included
Accidental damage (Contents) Optional Optional Included
Alternative accommodation £20,000 £20,000 £25,000
Personal possessions Optional Optional £2,500
Home emergency cover Optional up to £1,000 Optional up to £1,000 Included up to £1,500
Money £500 £1,000 £1,000
Credit cards £1,000 £2,000 £2,000
Frozen food £500 £1,000 £1,000
Business equipment £5,000 £7,500 £7,500
Contents in outbuildings £2,500 £5,000 £5,000
Contents in garden (including plants) £2,500 £2,500 £5,000
Replacement keys & locks £500 £1,000 £1,000
Legal expenses Optional up to £50,000 Optional up to £50,000 Included up to £100,000
Tenants liability £12,000 £12,000 £12,000
Occupiers & public liability £2,000,000 £2,000,000 £2,000,000


What optional extras can I add to my AXA home insurance policy?

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.

Accidental damage

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.

Personal possessions

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.

Home assistance

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.

Legal expenses

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.

Student cover

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.

Bicycle cover

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.

Managing your AXA home insurance policy and making a claim

You can access your policy anytime, anywhere by logging into your AXA account online. Logging into your account gives you the ability to:

  • View and print your policy documents and insurance certificates
  • See exactly what’s covered in your policy wording
  • Save PDFs of policy documents to send to others
  • Add or remove optional extras
  • Change personal details or update your contact details
  • Add or remove people on your policy

Any changes you make to your policy may affect the cost of your premiums but you’ll be able to see them instantly online and decide whether you still want to go ahead or not.

You can also login to your AXA account to make a claim. When you make a claim, you will need to have your policy number to hand, this can be found in your AXA account. You’ll need to tell AXA what damage there is to your home, provide photos of any lost or damaged items (if you have them) and any related receipts, quotes or invoices. You’ll also need to let the claims team know what type of building your home is, when it was built and provide details about the structure of your home, such as how many bedrooms and bathrooms there are.

When you either call AXA or register your claim online, AXA will quickly get your claim recorded. A member of AXA’s specialist claims team will follow up your claim with a call to get your claim underway. They aim to get back to you within four working hours of registering your claim. However, if you register your claim on a weekend, you’re likely to hear back the following Monday.

AXA will do their best to resolve your claim as quickly as possible. You may have to submit a quote for approval or AXA may appoint one or more of their approved suppliers or loss adjusters to help manage your claim to settlement. AXA doesn’t provide a timescale for settling home insurance claims.

Contact AXA

Buildings, contents and personal possessions claims: 0330 024 8086
Lines are open Monday to Friday 8am – 6pm, Saturday 9am – 5pm, bank holidays 9am – 1pm and closed on Sundays.

Home assistance claims: 0330 024 1259
Lines are open 24 hours a day, 7 days a week.

Legal expenses claims and advice: 0330 024 1278
Lines are open 24 hours a day, 7 days a week.

Frequently asked Questions

FAQ Icon

If you're looking to cancel your policy after you've been sent your renewal invitation, you can log in to your AXA account online and decline the renewal. If you want to cancel before you've received your renewal invitation, you will need to call AXA's customer services team on 0330 024 1235 if you're in the UK or 0289 002 0104 if you're in Northern Ireland.

No, AXA doesn't offer any discounts for additional security.

AXA's contents insurance covers your possessions whilst they're in your home, up to a specific limit that will be detailed in your policy. This includes large items such as kitchen appliances, furniture and home entertainment equipment as well as your personal belonging, money and valuables. AXA contents insurance also includes public liability cover.

AXA's buildings insurance covers the structure of your home and outbuildings, plus any permanent fixtures and fittings like kitchen units and bathrooms. Buildings insurance covers the cost of rebuilding or repairing your home if it's damaged by fire, flood or any other risks outlined in your policy documents. AXA's buildings insurance also includes property owner's liability cover.

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