For help after an accident please call our 24hour
claim line on 0330 024 1305 as soon as you can.
AXA Car Insurance
Your policy wording
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Welcome
Thank you for choosing AXA car insurance.
We are part of the AXA Group one of the world’s leading insurers and nancial services providers so
you’re in safe hands.
Your policy wording
This booklet contains details of your cover. It should be read along with your schedule and certicate
of motor insurance.
AXA’s UK based claims team is ready to help. It’s reassuring to know you have expert support when you
need it most.
What’s more, if you’re contacted by anyone else regarding your claim, simply pass them on to us. We’re
here to look after everything for you, with the minimum of fuss.
So that you always have the cover you need, please make sure all your information is correct at all
times. It’s easy to update your details in My AXA Account – your personal online account. You can log in
any time using your email address and chosen password.
Making a claim
! Remember to keep your details up to date
Call to claim
Claims in the UK: 0330 024 1305
Claims outside the UK: 0044 1732 376249
Windscreen claims: 0330 024 1306
Lines open 24 hours a day 7 days a week.
If your car can be repaired by one of our approved
repairers they will supply you with a courtesy car
while your car is off the road. All repairs carried
out by our approved repairers are guaranteed
throughout the time that you own your car.
Car accident claims guide
Go to www.axa.co.uk/insurance/personal/
car/advice-news/accident-guide/
for useful advice and information. It’s a
good idea to print the guide and keep it in
your car.
Contents
Section
Making a claim
Your cover
Managing your policy
Your contract of insurance
Definitions
Section A – Damage including misfuelling
Section B – Fire and theft
Section C – Your legal liability to other people
Section D – Windscreen and window damage
Section E – Personal accident benefits
Section F – Additional benefits
Section G – Foreign use
Section H – No claims discount
Section I - Personal injury and rehabilitation
Section J - Courtesy car upgrade
Section K - Legal cover option
Section L - Breakdown option
General exclusions
General conditions
Our promise – how to make a complaint
Privacy statements
Contact us
Page no
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4
4
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6
7
8
10
11
12
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14
16
17
18
26
27
31
31
33
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Your contract of insurance
This policy document gives details of your cover
and it should be read along with your schedule and
certificate of motor insurance. Please take time
to read through all these documents that contain
important information about the details you have given
and check that the information is correct. If anything is
wrong or needs to be changed please advise us via My
AXA Account.
You must also advise us of any changes to your
information via My AXA Account during the policy
period of insurance; details of the type of changes we
need to know about are contained in General condition
2 on page 27 of this policy
If the information that you have given us is not true
and complete to the best of your knowledge and belief
your policy may not protect you in the event of a claim.
You should also show your policy to anyone else who
is covered under it and ensure that they are aware of
its terms and conditions.
You and we can choose the law which applies to this
policy. Unless we and you agree otherwise, English
law will apply to this policy.
The parties to this contract are you and us. Nothing
in this contract shall create any rights to third parties
under the Contracts (Rights of Third Parties) Act 1999
and no variation of this contract, nor any supplemental
or ancillary agreement shall create any such rights
unless expressly so stated. This does not affect any
right or remedy of a third party which exists or is
available apart from this Act.
In return for your premium, we will provide the cover
shown in your policy for accident, injury, loss or
damage that happens within the territorial limits
during the period of insurance.
Yves Masson
CEO AXA Insurance
Your cover
Type of cover Sections that apply
Comprehensive Sections A to H apply.
Third party re Sections B,C & H apply.
and theft Section G applies in respect of
Fire and Theft only.
Optional services Sections I, J, K and L only
apply if stated on your schedule
Please read all the exclusions and conditions that
apply to each section of your policy.
AXA are covered by the Financial Services
Compensation Scheme (FSCS). You may be entitled to
compensation from the scheme in the unlikely event
we cannot meet our obligations to you. This depends
on the type of insurance, size of the business and the
circumstances of the claim. Further information about
the compensation scheme arrangements is available
from the FSCS www.fscs.org.uk.
Uninsured driver promise
If you have comprehensive cover and you make a
claim where the driver of the other car involved in the
accident is found to be uninsured, you will not have
to pay your excess or lose any part of your no claims
discount (NCD) as long as:
■ You are able to provide the make model and
registration number of the other car involved;
■ We can establish that you were not at fault in
any way.
It will also help if you are able to provide the details
of the other driver involved and details of any
independent witnesses if possible.
When you rst claim you may have to pay your excess
and your NCD may be affected but once we have
established that you were not at fault in any way and
the driver of the other car was uninsured your excess
will be refunded and NCD restored.
Managing your policy
We hope you will choose to be in total control of
your policy by managing it online. Your username
and password will give you access to My AXA
Account, your secure area of our site. Please keep
your security details safe. You can access My
AXA Account at any time to review or update your
information, or you can call us.
Who we will speak to about your policy
We recognise you may need to talk to us. However
as we are an internet based company and you can
manage your policy online, an administration fee
may be charged for administration by telephone. See
General condition 15 Fees.
We will deal only with you or people authorised by you
to act on your behalf. However to prove that another
person has your permission to discuss your policy we
will require them to provide your security details
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If the policy is to be cancelled this must be done by
you. To protect your interests, we are unable to deal
with anyone cancelling the policy on your behalf.
We may monitor or record telephone calls to improve
our service and to prevent fraud.
Sensitive information
In order to provide you with insurance we will need
to process sensitive information about you and the
named drivers (such as information about health or
criminal convictions). Please make sure you have the
consent of the named drivers before sharing their
sensitive information with us.
Renewal
Your policy will renew automatically. You will be
contacted prior to the renewal date to check that your
details are still correct and current. Please see general
condition 14 on page 30 of this policy.
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Denitions
These denitions apply throughout your policy.
Where we explain what a word means, that word will
be highlighted in bold print and will have the same
meaning wherever it is used in the policy.
There are further denitions in Sections I to L of the
policy and those denitions only apply to the section in
which they are found.
Accessories
Parts or products specically designed to be tted
to your car, including spare parts and child car
seats but excluding car audio, telephone, in car
entertainment and/or satellite navigation systems.
Audio equipment
Manufacturer permanently tted car audio,
telephone, in-car entertainment and/or satellite
navigation systems up to the limits shown in
the schedule.
AXA
AXA Insurance UK plc
Car
Any private motor vehicle insured under this policy
and described in your current certificate of
motor insurance and schedule including any car
provided under Sections A, B or J – Courtesy car
upgrade.
Certicate of motor insurance
The document which provides evidence that you
have taken out insurance as required by law. Your
certificate of motor insurance shows who is
entitled to drive your car and the classes of
use permitted.
Excess/excesses
The amount you must pay towards any claim even
if the incident is not your fault. Excesses apply
under Sections A, B, D, and G of this policy.
Market value
The cost of replacing your car with another of
the same make and model and of a similar age,
mileage and condition at the time of the accident
or loss. The market value may also be affected
by other factors such as a valid MOT, how you
purchased your car and whether it has been
previously declared a total loss.
Misfuelling
Accidental lling of the fuel tank with inappropriate
fuel for your car.
My AXA Account
Your own secure online area, hosted by us, where
you can access your policy details.
Named driver
A person who is named on the certificate of
motor insurance as entitled to drive.
Partner
Someone you have been living with (as if you are
married or in a civil partnership with them) for at
least six months.
Period of insurance
The period from the start date to the end date
of your current policy. This is shown on your
schedule and certificate of motor insurance.
Policy
This policy wording for your motor insurance
together with your schedule and certificate of
motor insurance.
Recycled parts
Parts that are recycled from other cars including
parts denoted by the motor trade industry
as "green".
Schedule
The document which identies the policyholder
and sets out details of your policy cover including
the applicable excesses and any optional sections
you have selected.
Territorial limits
United Kingdom, the Channel Islands and the Isle
of Man - refer to Section G (Foreign use) for full
details.
Trailer
Any form of trailer, caravan or car which is towed
by a car insured under this policy.
United Kingdom (UK)
England, Scotland, Wales and Northern Ireland.
We/Us/Our
AXA insurance UK plc who underwrite all sections
of the policy except Section L Breakdown, which
is underwritten by Inter Partner Assistance SA who
are fully owned by and are a part of the worldwide
AXA Group.
You/Your
The person named as the policyholder on the
schedule and certificate of motor insurance.
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What is covered under this section
We will pay for loss of or damage to
1. Your car.
2. Accessories including child car seats, while in or
on your car.
3. Audio equipment while in your car.
4. Your car key, key fob or entry card or any other
device designed and made by the manufacturer to
access and start your car.
We may choose to replace them, to repair them or pay
an amount equal to the loss or damage.
We will not pay more than the market value of your
car at the time of the loss less any excesses
We will also arrange for your car to be moved to a
place of free and safe storage until it is repaired, sold
or scrapped. The salvage of your car will become our
property after your claim is settled.
If the damage to your car can be repaired, we will
use one of our approved repairers to repair it. If you
choose not to use them, we may not pay more than
our approved repairers would have charged and we
may choose to settle the claim by a nancial payment.
We may choose to repair your car with recycled
parts, where appropriate. Parts used may not have
been made by your car’s manufacturer but will be
of a similar standard. All repairs carried out by our
approved repairers are guaranteed throughout the
time that you own your car.
Courtesy car
If your car is repaired by one of our approved
repairers, you will be supplied with a courtesy car
while your car is being repaired. If your car cannot
be repaired (total loss), you will be provided with a
courtesy car however you will only be able to keep
this for 14 days after the date the courtesy car was
delivered to you. Unless you have purchased the
Courtesy car upgrade, under Section J of this policy,
the car provided will be a 1 litre 3 door petrol manual
transmission car and cover will automatically be
provided under your certificate of motor insurance
while the car is on loan to you.
If a courtesy car cannot be arranged, we will repay
your alternative travelling costs up to a maximum of
£15 per day.
If your car has been specially adapted for you or for a
named driver with disabilities and we cannot arrange
a suitable car, we will repay your alternative travelling
costs up to a maximum of £15 per day.
The maximum time we will pay for alternative travelling
costs is up to 14 consecutive days.
Finance or hire purchase agreements
If you have bought your car under a nance or hire
purchase agreement, or are leasing it, any money
owed to the company or bank involved will be paid
directly to that company or bank rst and any balance
of the agreed settlement sum will then be paid to you.
New car cover
If your car is less than one year old and you have been
the rst and only registered keeper and legal owner,
we will replace it with a new one of the same make
and model if it has suffered damage covered by this
section and the cost of repairing it will be more than
70% of the manufacturer's last UK list price (including
taxes). If a replacement car of the same make and
model is not available we reserve the right to settle
your claim on the basis of the market value of your
car at the time of the loss.
Cherished plates
In the event of a total loss, if your car has a cherished
registration number plate, we will give you 30 days
from the date it is declared a total loss to transfer that
cherished registration number onto a DVLA Retention
Certicate in your name. If you do not tell us that you
wish to keep the cherished registration number plate,
we will dispose of it with your car.
Overnight accommodation
If your car cannot be driven as a result of damage
covered under this policy, including loss or damage
to keys or misfuelling, we will pay the cost of
overnight accommodation or onward travel up to
£300 per incident.
Child car seats
If your car is tted with any child car seats, we will
pay up to £300 for their replacement following a valid
claim covered by this policy, whether or not visible
damage has been caused to the car seat.
No excess will apply in respect of replacement of child
car seats.
You should purchase the replacement seat and we will
reimburse you on presentation of the receipt.
Section A - Damage including misfuelling
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Misfuelling, drainage and ushing the
fuel tank.
If you accidentally ll your car with the wrong fuel
please do not start the engine. Please call us on
0330 024 1305 as soon as possible.
If your car is subject to misfuelling during the period
of insurance we will pay for:
1. Drainage and ushing of the fuel tank on site using
a specialist roadside vehicle.
2. Recovery of your car, the driver and up to 6
passengers to the nearest repairer to drain and
ush the fuel tank.
3. Replenishing the fuel tank with 10 litres of the
correct fuel.
4. Damage to your car engine caused solely and
directly by misfuelling.
An excess of £75 applies to points 1-3 above. Your
standard policy excess applies to point 4.
Claims for misfuelling should be supported by original
receipts and a report from the specialist who drained
or recovered your car.
What is not covered under this section.
1. The sum of all policy excesses shown in
the schedule.
2. More than £1,000 for loss or damage to audio
equipment unless it is standard equipment
supplied with your car at its rst registration.
3. Loss or damage caused by rust, corrosion, wear
and tear or any loss of value including
following repair.
4. Loss of or damage to your car if, at the time of
the incident, it was under the custody or control of
anyone with your permission who is not covered
under this policy.
5. Loss of excise licence or fuel.
6. Any unnecessary repair or replacement which
improves your car beyond its condition before the
loss or damage took place.
7. Loss or damage caused by any mechanical,
electrical, computer breakdown, failure or breakage.
8. Damage to tyres caused by braking, punctures,
cuts or bursts.
9. Loss or damage arising from or in consequence of
water freezing in the cooling circulation system of
your car.
10. Loss of use or any other loss, damage or additional
expense, (including the cost of any alternative
transport under this section) following on from
the event for which you are claiming, unless we
provide cover under this policy.
11. Loss or damage as a result of theft, attempted
theft, re, lightning, or explosion under this section
of the policy.
12. the additional cost of modications (including any
change to the fuel system) other than:
a) those supplied and tted by the manufacturer
or their recommended garage at the time of
original registration,
b) any modication to accommodate a disability
13. In respect of misfuelling, any claim resulting from
foreign matter entering the fuel system except for
diesel or petroleum.
14. Claims for misfuelling outside the
United Kingdom,
15. Fuel, other than the 10 litres of correct fuel to
replenish the fuel tank after draining and ushing
out incorrect fuel.
16. Any loss or damage if at the time of the incident
your car key, key fob or key card is under the
custody or control of anyone with your permission
who is not covered under the policy.
17. More than £2,500 in respect of loss of or damage to
car keys, key fobs, key cards or replacement locks.
What is covered under this section.
We will pay for loss or damage as a result of theft,
attempted theft, re, lightning or explosion to:
1. Your car.
2. Accessories including children’s car seats, while in
or on your car.
3. Audio equipment while in your car.
4. Your car key, key fob or entry card or any other
device designed and made by the manufacturer to
access and start your car.
We may choose to replace them, to repair them or pay
an amount equal to the loss or damage.
We will not pay more than the market value of your
car at the time of the loss less any excesses
Section B - Fire and theft
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We will also arrange for your car to be moved to a
place of free and safe storage until it is repaired, sold
or scrapped. The salvage of your car will become our
property after your claim is settled.
If the damage to your car can be repaired, we will
use one of our approved repairers to repair it. If you
choose not to use them, we may not pay more than
our approved repairers would have charged and we
may choose to settle the claim by a nancial payment.
We may choose to repair your car with recycled
parts, where appropriate. Parts used may not have
been made by your car’s manufacturer but will be
of a similar standard. All repairs carried out by our
approved repairers are guaranteed throughout the
time that you own your car.
Courtesy car
If your car is repaired by one of our approved
repairers, you will be supplied with a courtesy car
while your car is being repaired. If your car cannot
be repaired (total loss) or has been stolen, you will
be provided with a courtesy car however you will only
be able to keep this for 14 days after the date the
courtesy car was delivered to you. Unless you have
purchased the Courtesy car upgrade, under Section
J of this policy, the car provided will be a 1 litre 3
door petrol manual transmission car and cover will
automatically be provided under your certificate of
motor insurance while the car is on loan to you.
If a courtesy car cannot be arranged, we will repay
your alternative travelling costs up to a maximum of
£15 per day.
If your car has been specially adapted for you or for a
named driver with disabilities and we cannot arrange
a suitable car, we will repay your alternative travelling
costs up to a maximum of £15 per day.
The maximum time we will pay for alternative travelling
costs is up to 14 consecutive days.
Finance or hire purchase agreements
If you have bought your car under a nance or hire
purchase agreement, or are leasing it, any money
owed to the company or bank involved will be paid
directly to that company or bank rst and any balance
of the agreed settlement sum will then be paid to you.
New car cover
If your car is less than one year old and you have
been the rst and only registered keeper and legal
owner, we will replace it with a new one of the same
make and model if it is stolen and not recovered
or suffers damage covered by this section and the
cost of repairing it will be more than 70% of the
manufacturer's last UK list price (including taxes). If a
replacement car of the same make and model is not
available we reserve the right to settle your claim on
the basis of the market value of your car at the time
of the loss.
Cherished plates
In the event of a total loss, if your car has a cherished
registration number plate, we will give you 30 days
from the date it is declared a total loss to transfer that
cherished registration number onto a DVLA Retention
Certicate in your name. If you do not tell us that you
wish to keep the cherished registration number plate,
we will dispose of it with your car.
Overnight accommodation
If your car cannot be driven as a result of damage
covered under this policy, or is stolen, we will pay the
cost of overnight accommodation or onward travel up
to £300 per incident.
Child car seats
If your car is tted with any child car seats, we will
pay up to £300 for their replacement following a valid
claim covered by this policy, whether or not visible
damage has been caused to the car seat.
No excess will apply in respect of replacement of child
car seats.
You should purchase the replacement seat and we will
reimburse you on presentation of the receipt.
What is not covered under this section
1. The sum of policy excesses shown in the schedule.
2. Loss or damage caused by theft or attempted theft
if your car was not switched off, properly locked or
if any window, roof opening, removable roof panel
or hood was left open or unlocked.
3. Loss or damage caused by theft or attempted theft
if the keys (or keyless entry system) to your car are
left unsecured or unattended, or are left in or on
your car whilst it is unattended.
4. More than £1,000 for loss or damage to audio
equipment unless it is standard equipment
supplied with your car at its rst registration.
5. Loss of or damage to your car and its contents due
to deception or fraud.
6. Loss or damage caused by theft or attempted theft
if your car was taken by a member of your family
or household, or taken by an employee
or ex-employee.
7. Loss or damage if any security or tracking device,
which either we have required you to t or you
have told us is tted to your car, has not been set,
is not in full working order or, the annual network
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What is covered
Cover for you:
We will pay if you have an accident which results in
you being legally liable for:
■ Death or injury to any person.
■ Damage to anyone’s property - the most we will
pay is a maximum of £20,000,000 (including all
legal and other expenses) for any one claim or
number of claims arising from one cause.
Caused by or whilst using:
1. Your car.
2. Any trailer being properly towed (in accordance
with both the law and manufacturer’s design
specications) by your car (for which cover is
provided under this section).
3. If Section 5 of your certificate of motor insurance
provides cover for the policyholder to drive other
cars, any other car driven by you, provided.
a) You do not own or have not hired the car under
a hire purchase or lease hire agreement.
b) There is valid cover in force for the car under
another insurance policy.
c) You have the owner’s permission to drive the car.
d) The car is being driven in Great Britain,
Northern Ireland, the Channel Islands or the
Isle of Man.
e) You are 25 years of age or over.
f) You still own your car and it has not been
damaged beyond economic repair.
g) You are not a company or rm.
h) The car is being used within the limitations of
use shown in your current certificate of
motor insurance.
Note: Cover to drive other cars only applies if shown in
Section 5 of your certificate of motor insurance and
the cover provided is limited to third party only. There
is no cover provided in respect of damage to the car
you are driving.
Cover for other people
On the same basis that we cover you under this
section, we also cover:
1. Any person driving your car with your permission
provided that person is entitled to drive under
Section 5 of your certificate of motor insurance -
“persons or classes of persons entitled to drive".
2. Any person using but not driving your car with your
permission for social, domestic and
pleasure purposes.
Section C - Your legal liability to other people
subscription for the maintenance contract of any
tracking device has not been renewed.
8. Any loss or damage due to theft unless it has
been reported to the police and a crime reference
number obtained.
9. Loss or damage if we have required you to t
and maintain a tracking system to your car and
the device tted is not to TQA (Thatcham Quality
Assurance) standard.
10. Loss of or damage to your car if, at the time of
the incident, it was under the custody or control of
anyone with your permission who is not covered
under this policy.
11. Loss or damage caused by rust, corrosion, wear and
tear or any loss of value including following repair.
12. Loss of road excise licence or fuel.
13. Any unnecessary repair or replacement which
improves your car beyond its condition before the
loss or damage took place.
14. Loss of use or any other loss, damage or additional
expense (including the cost of any alternative
transport under this section) following on from
the event for which you are claiming, unless we
provide cover under this policy.
15. Any loss, damage or costs from returning your car
to its legal owner or arising out of its repossession
or seizure by any person or company having a
nancial interest in your car.
16. The additional cost of modications (including any
change to the fuel system) other than:
a) those supplied and tted by the manufacturer
or their approved garage at the time of
original registration,
b) Any modication to accommodate a disability.
17. Any costs due to loss or damage to keys (or
keyless entry system) other than by theft, re,
lightning or explosion.
18. Loss or damage caused by any mechanical,
electrical, computer breakdown, failure
or breakage.
19. Any loss or damage if at the time of the incident
your car key, key fob or key card is under the
custody or control of anyone with your permission
who is not covered under the policy.
20. More than £2,500 in respect of loss of or damage to
car keys, key fobs, key cards or replacement locks.
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3. Any passenger travelling in or getting into or out of
your car.
4. The employer or business partner of anyone
covered under this section of your policy as long
as the certificate of motor insurance allows
business use.
5. The legal personal representatives of anyone
covered under this policy in the event of that
person’s death.
Statutory emergency treatment
In the event of an accident involving a car insured
under this section, we will also refund any payments
that anyone using the car has made under the relevant
road trafc legislation for emergency treatment. (Any
payments solely for emergency treatment will not
affect your no claims discount).
Defence costs
In the event of an accident involving a car insured
under this section, we will at our discretion pay the
reasonable legal costs and/or expenses to defend or
represent you or any named driver covered by
this policy:
■ at a coroner’s inquest or fatal accident inquiry
and/or
■ in criminal proceedings arising out of the accident.
where there is a reasonable chance of success.
What is not covered
1. Any legal liability if any person insured under this
section does not keep to the terms, exceptions and
conditions of this policy.
2. Any legal liability if you are aware that any named
driver does not hold a valid licence to drive your
car for the purpose it is being used.
3. Any legal liability if you do not take reasonable
care to ensure any named driver driving your car
observes their licence conditions.
4. Legal costs and expenses incurred without our
written consent or related to charges connected
with speeding, driving under the inuence of
alcohol or drugs, or parking offences.
5. Legal liability for anyone killed or injured while they
are working with or for the named driver or policy
holder unless we must provide cover under the
relevant road trafc legislation.
6. More than our legal liability under the relevant
road trafc legislation if at the time of the accident
the car you were driving is not specied in ‘Section
1 - Registration mark of vehicle’, of the certificate
of motor insurance.
7. Property owned or jointly owned by, or in the
custody care or control of anyone insured under
this section of the policy.
8. Any claim for loss or damage unless cover applies
under section A-L of this policy.
9. Any claim for loss or damage to a car being driven
under the driving other cars extension of
this policy.
10. Any legal liability, loss or damage for any claim, if
your car was towing a load over the legal limit at
the time of the accident.
11. Any loss or damage to;
a) any caravan, trailer or other vehicle,
b) any contents of caravans, trailers or other
vehicles whilst being towed by your car.
What is covered
We will pay to repair or replace broken glass in your
car's windscreen (including panoramic windscreens) or
windows, and any scratching to the bodywork caused
solely and directly by broken glass from a broken
windscreen or window. We may choose to repair
your car with parts that may not have been made by
its manufacturer but are of a similar standard. Any
payment for replacement of glass under this section
will not reduce your No claims discount, (although
at your next renewal you will no longer be eligible for
any increase in your No claims discount according to
our declared scale). However, in order to obtain the
full benet under this section the work must only be
undertaken by our approved repairer contactable via
AXA Glass Claims on 0330 024 1306.
The most we will pay:
If you do not use our approved repairer, the most we
will pay for any windscreen replacement claim under
this section is £100, or £50 for any windscreen repair.
What is not covered:
1. Any excess shown in your schedule for glass
replacement or repair.
2. Any other glass forming part of your car including
sunroofs, panoramic roofs or panoramic sunroofs,
where the roof glass is a separate unit to the
windscreen glass.
3. Any glass that is part of a removable or folding
convertible roof.
4. Any windscreens or windows not made of glass.
5. Loss of use or any other loss, damage or additional
Section D - Windscreen and window damage (This section is only included if you have comprehensive cover.)
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expense following on from the event for which you
are claiming, unless we provide cover under
this policy.
6. The cost of any alternative transport.
Glass excluded under this section may be covered
under Section A (Damage to your car) or Section
B (Fire and theft) of your policy, subject to the
appropriate policy excesses and with an effect on
your No claims discount.
We will pay:
You or any other person in your car who is accidentally
injured while travelling in or getting into or out of your
car, whilst in the United Kingdom, and this injury
alone results within three calendar months in:
1. Death; or
2. Permanent and total loss of sight in one or both
eyes; or
3. Loss of, or permanent and total loss of use of, one
or more limbs at or above the elbow or knee.
The most we will pay:
The most we will pay the injured person or their legal
representatives is £5,000 in respect of death, loss
of limbs or sight. This is the maximum benet we will
pay to any one person under this section in the policy
period of insurance.
If the injured person is insured by us against personal
accident under any other motor insurance policy,
benet shall be recoverable under only one policy.
We will not pay:
1. For any injury or death resulting from suicide,
attempted suicide or any deliberate
self-inicted injury;
2. For any deliberate attempt to put lives in danger
(unless to save a human life);
3. For death or injury to you if you have paid for
additional personal accident cover under Section I
(Personal injury and rehabilitation).
Section E - Personal accident (This section is only included if you have comprehensive cover.)
Medical expenses
What is covered
Medical expenses for each person injured as a result
of an accident involving your car.
The most we will pay for any one incident is £100.
Personal belongings
What is covered
Loss of or damage to clothing and personal belongings
(including dashboard cameras tted to your car)
caused by re, theft, attempted theft or accident, while
they are in your car.
The most we will pay for any one incident is £300.
What is not covered
Loss of or damage to keys (or keyless entry system),
any form of credit or debit card, money, stamps,
tickets, securities, documents, audio systems,
telephones, in car entertainment, satellite navigation
systems or for goods or samples carried in connection
with a business.
We will also not pay for theft or attempted theft unless
the items were locked in the glove-box or boot and
were not visible to people outside your car.
Section F - Additional benets (This section is only included if you have comprehensive cover.)
13 of 33
This policy provides the minimum cover you need by
law to use your car in:
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus,
Czech Republic, Denmark, Estonia, Finland, France
(including Monaco), Germany, Greece, Hungary,
Iceland, Ireland, Italy (including San Marino and the
Vatican), Latvia, Liechtenstein, Lithuania, Luxembourg,
Malta, Netherlands, Norway, Poland, Portugal,
Romania, Serbia, Slovakia, Slovenia, Spain, Sweden,
Switzerland, The Channel Islands, The Isle of Man and
the United Kingdom.
This policy also provides the cover you have
selected and which is shown in your schedule in the
countries listed above for 90 days in any one period
of insurance. The relevant excesses and exclusions
under Sections A – D (Sections B – C if Third party re
and theft cover is selected) also apply whilst your car
is being used abroad.
Cover is also provided for customs duty payable on
your car resulting from loss or damage that is covered
by this policy and during transit by a recognised carrier
between or within these countries.
If requested, we will give you an international motor
insurance card (Green Card).
Section G - Foreign use
We will increase your No claims discount (NCD) for
every claim free period of insurance you have with us.
In the event of a claim being made or arising under
this policy, your NCD at renewal will be reduced in
accordance with the table below:
NCD at the start of
your current period
of insurance
Your NCD at renewal if you
make
0 year
1 year
2 years
3 years
4 years
5 years
6+ years
0 claims
1 year
2 years
3 years
4 years
5 years
6 years
6+ years
1 claim
0 years
0 years
0 years
1 year
2 years
3 years
4 years
2 claims
0 years
0 years
0 years
0 years
0 years
1 year
2 years
The following will not reduce your NCD:
1. any payment made under Section D (Windscreen
and window damage).
2. any payment made under Section L
(Breakdown option).
3. any payment for emergency treatment fees under
Section C (Your legal liability to other people)
4. claims where you are not at fault, provided we
have got back all that we have paid from those
who are responsible.
Note: Your premium can be affected by factors other
than your NCD. You should note any change in the
level of NCD is no guarantee that your premium will
not rise.
Your NCD is not transferable to another person except
in exceptional circumstances and with our written
agreement. Details are available via My AXA Account.
If you have chosen to protect your NCD (PNCD) then,
in the event of one claim on your policy in any period
of insurance (up to a maximum of two claims in any
consecutive three year period of insurance), your NCD
will not be changed at your next policy renewal, after
which your NCD will be reduced for each further claim
in accordance with our declared scale.
If we become aware of a claim or accident after we
issue you with a renewal invitation we will revise the
renewal quote. If you have protected NCD and the
claim is your third in any consecutive three year period
of insurance we reserve the right to remove the NCD
protection and invite renewal without it.
Section H - No claims discount
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Cover only applies if you have agreed to pay any
additional premium and the schedule states that this
section is in force.
The following denitions apply to this section of the
policy only:
Burns – Full thickness burn or burns (third degree)
covering more than 10% of the body surface.
Case Management - a collaborative process which
assesses, plans, implements, co-ordinates, monitors
and evaluates the options and services required
to meet an individual’s health care, educational
and employment needs, using communication and
available resources to promote quality cost
effective outcomes.
Fracture - a complete or incomplete break in a bone
resulting from the application of excessive force.
Loss of sight – Permanent and total loss of sight
which shall be considered as having occurred if your
name is added to the Register of Blind persons on the
authority of a qualied ophthalmic specialist.
Loss of eye – loss of sight in one eye if the degree of
sight remaining after correction is 3/60 or less on the
Snellen scale.
Loss of hearing - total, permanent and irrecoverable
loss of hearing.
Loss of limb/s – loss of use or permanent and
complete loss by separation at or above the wrist or
ankle or permanent or complete loss of use.
Loss of hand/foot - loss of use or permanent and
complete loss by separation at or below the
wrist ankle.
Loss of finger/thumb or toe – Complete and
irrecoverable loss of use or complete
physical separation.
Loss of speech - total, permanent and irrecoverable
loss of speech.
Maximum benefit payable - The most we will pay for
all claims resulting from one accident. The maximum
benefit payable for personal injury claims under this
section is £100,000 for any one accident.
Permanent total disablement – disablement caused
other than by loss of limb eye hearing or speech
which prevents you from taking part in any relevant
employment for the remainder of your life.
Personal injury
What is covered under this section:
If you are accidentally injured while travelling in or
getting into or out of your car, whilst in the United
Kingdom and this injury alone results within three
calendar months in one of the following we will pay
you the benet shown in the following table:
Description
Benefit
payable
Death £100,000
Permanent total disablement £100,000
Loss of sight £100,000
Loss of sight in one eye £50,000
Loss of hearing in both ears £50,000
Loss of hearing in one ear £20,000
Loss of speech £50,000
Loss of two or more limbs £100,000
Loss of one limb £50,000
Loss of both hands or both feet £50,000
Loss of one hand or foot £25,000
Loss of both thumbs £15,000
Loss of one thumb £7,000
Loss of more than one finger £10,000
Loss of one finger £4,000
Loss of both big toes £10,000
Loss of one big toe £5,000
Loss of more than one toe (excluding big toes) £2,000
Loss of one other toe (excluding big toe) £1,000
Loss of lung, kidney(s), liver, large intestine,
small intestine, stomach, reproductive
organ(s), or bladder
£20,000
Loss of spleen, gallbladder or pancreas £5,000
Burns £10,000
Fractures to the pelvis, arm, leg, skull,
vertebrae, jaw, knee, hand, or facial bones
(excluding nose)
£2,000
Fractures to the foot, shoulder blade, elbow,
sternum, wrist, ankle, collar bone or coccyx
£1,000
Hospital cash daily benet – you must provide
documentary evidence of admission to
hospital.
£100 per day
Maximum policy benefit £100,000
Section I - Personal Injury and rehabilitation
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The most we will pay:
Benet may be payable under more than one
heading however:
The most we will pay you or your legal representatives
is the maximum benefit of £100,000.
If benet is payable in respect of loss of a limb (s),
benet will not be paid in respect of hands, feet,
ngers thumbs or toes.
Post accident rehabilitation
This service is provided by Knight Rehabilitation
Services, a trading name of AXA Services Limited.
What is included
If you are accidentally injured while travelling in or
getting into or out of your car, whilst in the United
Kingdom we will instruct Knight Rehabilitation
Services to provide case management and arrange
necessary treatment, up to the value of £5,000 for
treatment arising from any one claim.
This is to support you to return, as near as possible, to
your pre-accident health.
Treatment under this section may include but is not
limited to:
Assessment and support throughout your
rehabilitation by one of our qualied case managers
(case management).
Physiotherapy – the treatment of injury by physical
methods such as massage, heat treatment, and
exercise rather than by drugs.
Chiropractic treatment – adjustment and
manipulation of the vertebral column and the
extremities as a treatment.
Psychological Therapies – treatment of psychological
disorders and mental distress.
Cognitive Behavioural Therapy - for treatment of
travel related phobia, a persistent, abnormal, and
irrational fear of a specic thing such as travelling
in a vehicle or situation that compels one to avoid it,
despite the awareness and reassurance that it is
not dangerous.
Cosmetic and reconstructive dental treatment up
to £500.
Diagnostics such as Magnetic Resonance Imaging
(MRI), a technique that uses a magnetic eld and
radio waves to create detailed images of the organs
and tissues within your body or X-rays, (photographic
or digital image of the internal composition of a
part of the body, produced by x-rays being passed
through it and being absorbed to different degrees by
different materials).
Referral to a specialist
Treatment for Tinnitus - the perception of sound
within the human ear (ringing of the ears) where no
sound is present.
Hydrotherapy - a part of medicine that involves the
use of water for pain relief and treatment.
Important notes
■ We may require your written consent before
proceeding with your rehabilitation (this also
allows us to discuss your case with your GP
when appropriate).
■ You may be required to provide medical
information (for example GP notes) in order to
support your claim for rehabilitation.
■ We may need to complete an assessment with you
face to face. This will usually happen at your home.
What is not covered under this section:
We will not pay for
1. Any injury or death resulting from suicide,
attempted suicide or deliberate self-inicted injury.
2. Any deliberate attempt to put lives in danger
(unless to save a human life).
3. Any injury unless supporting medical evidence
is supplied.
4. Any injury resulting from you driving whilst under
the inuence of alcohol or drugs to a level which
would be an offence in the country where the
accident occurs.
5. Any injury caused by failure to wear a seatbelt
unless exempt on medical grounds.
6. Any injury that happens while you are not travelling
in or getting into or out of your car or driving any
other car.
7. The cost of any treatment which exceeds the value
of £5,000 per claim. Where your rehabilitation
needs are about to exceed the cost of £5,000 we
will work with you to handover your rehabilitation
needs and care over to your GP and/or NHS facility.
8. Cosmetic and reconstructive dental treatment
which exceeds £500.
9. Any treatment costs or expenses not
recommended as part of your case management.
16 of 33
Cover only applies if you have agreed to pay any
additional premium and the schedule states that this
section is in force.
Definitions
For the purposes of this section the following denitions
apply (and where applicable replace any denitions
shown elsewhere in this policy document).
Hire car
The optional temporary car we will provide you
with in the event of a valid claim under Section A
or B of this policy. The car provided will be of a
similar body type size and transmission to your
car and will have the same number of doors and
seats as your car.
Hire car company
The company we instruct to provide you with a
temporary hire car.
What is covered
If your car is damaged or stolen and not recovered in
England, Wales or Scotland and if the event is covered
by your policy under Section A (Damage to your car) or
Section B (Fire and theft) then at our option, we
will either:
■ arrange for you to be collected and taken from
your home address, or any other address within
ten miles, and returned there after the period of
hire, to the nearest hire car company location to
take delivery of a hire car; or
■ deliver to and collect from your home address, or
any other address within ten miles, a hire car;
If your car can be repaired you may keep the hire car for
the duration of the repair.
If a hire car cannot be arranged, we will repay your
alternative travelling costs up to a maximum of £25
per day.
If your car has been specially adapted for you or for a
named driver with disabilities and we cannot arrange a
suitable car, we will repay your alternative travelling costs
up to a maximum of £25 per day.
The most we will pay
If your car cannot be repaired, you may only keep the
hire car for a maximum 21 days from the date of the
accident. The maximum time we will pay for alternative
travelling costs is up to 21 consecutive days.
If you have chosen Third party re & theft cover there
is no cover for your car under Section A - (Damage to
your car). We will not provide a hire car unless you
make a valid claim under Section B - (Fire and theft),
of this policy.
The hire car provided by us will be insured under your
policy under sections A to F and K but only if your
schedule shows that these sections apply to your policy.
The hire car may only be used in United Kingdom.
The terms and conditions of this policy will normally apply
to the use of the hire car as if it was your car. However if
your car is insured for Third party re & theft cover only:
1. The hire car will also be insured under Section A
(Damage to your car) whilst you are using it.
2. You may be responsible for paying an excess
in respect of any damage to the hire car. You
should check the terms and conditions of the
hire car company.
Any claims occurring on the hire car will be made on your
policy and may affect your No claims discount.
Section J - Courtesy car upgrade
17 of 33
This section only applies if you have agreed to pay any
additional premium and the schedule states that this
section is in force.
Definitions
For the purposes of this section only, the following
denitions apply (and where applicable replace any
denitions shown elsewhere in this policy document).
Costs
Standard professional fees and costs reasonably
and necessarily charged by the lawyer. It also
covers your opponent's costs which you are
ordered to pay by a court and other costs we
agree, in writing, to pay.
Lawyer
The legal representative or other appropriately
qualied person acting for you.
You have the right to choose the lawyer acting for
you in the following circumstances:
■ where the commencement of court
proceedings to pursue your claim is required
■ Should any conflict of interest or dispute over
settlement arise.
Should you choose to instruct your own lawyer
we will discuss the fees with them, and unless we
agree otherwise the fees will not exceed the fees
normally charged under arrangements with our
own solicitor panel.
Uninsured losses
Losses that you cannot recover from any
insurance policy.
What is covered
We will pay:
The costs for recovering uninsured losses which arise
directly from a road trafc accident involving your
car in the territorial limits and during the period of
insurance which causes:
■ your or a named driver’s death or injury.
■ damage to your car.
■ damage to any property in your car which you or a
named driver own or are legally responsible for; or
■ any other uninsured losses you or a named
driver suffer.
Please note - Cover under this section does not apply
if you or the named driver have been involved in an
accident which is caused by you or the named driver
whether deliberately or accidentally.
We or the lawyer will seek to settle the claim without
going to court. However at any time we can carry out
the claim in your name or that of the named driver.
We reserve the right to settle a claim by paying the full
amount in dispute.
Prospects of success
We will only provide cover where your claim or any
appeal you are pursuing or defending is more likely
than not to be successful. If you are seeking damages
or compensation, it must also be more likely than not
that any judgement obtained will be enforced. If we
consider your claim is unlikely to be successful or any
judgement will not be enforced we or you may request
a second opinion from an independent lawyer. If the
independent lawyer agrees your claim is unlikely to
be successful or any judgement is unenforceable then
you cannot make a claim under this section.
The most we will pay:
The most we will pay will be £100,000 for any claim
or claims arising from any one incident. This total
includes all your costs and all your opponent's costs.
What is not covered
1. Charges or payments you or the named driver
receive or make before we accept the claim.
2. Costs you or the named driver incurs, or payments
you make without our agreement.
3. Costs due to an agreement or contract between
you or the named driver and anyone else
(including the lawyer) without our permission.
4. Any claim for an accident which is caused by you
or a named driver whether deliberately
or accidentally.
5. Costs if you or the named driver withdraws
instructions from the lawyer, dismiss the lawyer or
withdraw from legal proceedings without
our permission.
6. Costs if you or the named driver follows up the
claim other than in accordance with our advice or
that of the lawyer.
7. Costs involved in disputes between you or
the named driver and us or our agents or in
connection with this policy.
8. Costs that can be recovered from any other source
or insurance policy.
9. Costs for any legal proceedings or claim outside
England, Scotland or Wales unless we agree
otherwise in writing.
10. Costs if, in our reasonable opinion, the person(s)
from whom you or the named driver is claiming
are unlikely to be able to pay the damages.
11. Further costs if during a claim you or the named
Section K - Legal assistance cover option
18 of 33
driver does not accept a reasonable offer to settle
or if it is no longer likely that you will be successful
with your claim.
12. Claims:
a) Brought about by you or the named driver
deliberately doing or not doing something.
b) If you or the named driver make a false
declaration that affects the handling of
this claim.
c) If you made a false declaration when you
incepted this policy or made any subsequent
amendment to the policy.
d) If at the time of the event this policy section
was not in force.
e) If at the time of the accident, your car is being
driven or used for a purpose that is not allowed
by this policy.
f) If you or the named driver are responsible for
unreasonable delay which affects the claim.
13. Claims due to faults in your car whether or not this
is due to a faulty or incomplete service or repair.
14. Claims arising from any computer program,
microchip integrated circuit or similar device failing
to function correctly.
15. Legal costs, nes, compensation and penalties
that you or the named driver are ordered to pay by
a court or other authority.
You or the named driver must:
■ tell us about the claim as soon as possible.
■ fully co-operate with the lawyer and us. We will
only ask for information that is relevant to your
claim and we will pay any reasonable expenses
you incur in providing us with this information as
part of your claim.
■ not do anything which might damage the prospects
of the claim succeeding.
■ tell us about any developments affecting the claim.
■ tell us if anyone makes a payment into court or
offers to settle the claim
If you or the named driver do not keep to these
conditions we may refuse any claim or withdraw from
any current claim.
Arbitration
If there is a dispute between you or the named driver
and us about the handling of any claim under this
section the matter may be referred to arbitration. The
arbitrator will be a solicitor, barrister or other suitably
qualied person and will be chosen jointly between
you or the named driver and us. If we cannot agree
on a choice of arbitrator they will be appointed by
the president of the Law Society (or other similar
organisation) for that part of the United Kingdom
whose law governs this part of the policy.
The appointment of the arbitrator and their
subsequent decision will be nal and the losing party
will be responsible for paying the cost of referral. Using
arbitration does not affect your legal right to use the
Financial Ombudsman Service or to refer to a court
of law.
This section of your policy is underwritten by Inter
Partner Assistance SA (IPA) which is fully owned by
the AXA Assistance Group. Inter Partner Assistance
is a Belgian rm authorised by the National Bank
of Belgium and subject to limited regulation by the
Financial Conduct Authority. Details about the extent
of its regulation by the Financial Conduct Authority are
available from us on request. Inter Partner Assistance
SA rm register number is 202664. You can check
this on the Financial Services Register by visiting the
website www.fca.org.UK/register.
AXA Assistance (UK) Limited operates the 24-hour
motoring assistance helpline.
This insurance is governed by the laws of England
and Wales.
Important information
This section only applies if you have agreed to pay any
additional premium and the schedule states that this
section is in force.
This section of your policy document sets out the
terms and conditions of your breakdown cover and
it is important that you read it carefully. There are
different levels of cover available. The cover you hold
will be set out in the accompanying policy schedule.
If changes are made, these will be conrmed to you
separately in writing.
Each level of cover explains what is and is not covered.
There are also general exclusions (things that are not
included) that apply to all levels of the cover, and there
are general conditions that you must follow so you are
entitled to the cover.
Section L - Breakdown option
19 of 33
Definitions
For the purposes of this section only, the following
additional/alternative denitions apply (and where
applicable replace any denitions shown elsewhere in
this policy document).
We, us, our
Inter Partner Assistance SA and AXA Assistance
(UK) Ltd both of The Quadrangle, 106-118 Station
Road, Redhill, Surrey RH1 1PR, UK.
Your Home
The last address (in the UK) you gave to us as
being where you permanently live or where you
keep your car. You must have started out from
your home on your journey for cover to apply.
Breakdown/Break down
Not being able to use your car because of:
■ a mechanical breakdown;
■ vandalism;
■ a fire;
■ a theft or an attempted theft;
■ a flat tyre;
■ a flat battery; or
■ it having no fuel
Territorial Limits
United Kingdom (UK), the Isle of Man and the
Channel Islands.
For European breakdown cover (subsection D
only) this also includes Andorra, Austria, Balearics,
Belgium, Bulgaria, Canary Isles, Corsica, Croatia,
Cyprus, Czech Republic, Denmark, Estonia,
Finland, France, Germany, Gibraltar, Greece,
Hungary, Iceland, Italy, Latvia, Liechtenstein,
Lithuania, Luxembourg, Malta, Monaco,
Netherlands, Norway, Poland, Portugal, Republic
of Ireland, Romania, San Marino, Sardinia, Serbia,
Sicily, Slovak Republic, Slovenia, Spain, Sweden,
Switzerland, Turkey (west of Bosporus), the
Vatican City and other islands that belong to these
countries and that are in Europe
Journey
A trip between your home in the UK and a place
abroad, within the territorial limits. The trip must
not be longer than 90 days in a row or 90 days
in any one period of insurance. You must have
started out on your journey for cover to apply.
Luggage
Suitcases or other bags that contain personal
belongings for your journey.
The cover provided under each section is subject
to the General Conditions and General Exclusions
detailed at the end of this section.
How to claim
To get UK emergency help phone: 0800 197 1121
If you need Breakdown Assistance in Europe, please
call: 00 44 1737 815375
Text messaging is available for use by deaf, hard of
hearing or speech-impaired customers. Please text the
word “breakdown” to 07624 808 266
You should have the following information available:
■ Your car registration number.
■ Your name, home postcode and contact details.
■ Your policy number.
■ The make, model and colour of your car.
■ The location of your car.
■ An idea of what the problem is.
■ SOS Box number (where applicable).
We will take your details and ask you to stay by the
phone. Once we have made all the arrangements, we
will call you to advise who will be coming out to you
and how long they are expected to take. You will then
be asked to return to your car.
Safety
Please take reasonable care at all times but stay near
your car until our recovery operator arrives. Once our
operator arrives at the scene, please listen to their
safety advice. If the police are present, please tell
them that you have contacted us or give them our
phone number to call us for you.
Help on motorways
If you break down on the motorway, go to the nearest
SOS emergency phone box. Ask the police to contact
the 24-hour emergency helpline on the number
shown above.
You will only be able to claim the services we provide
by contacting the emergency helpline number.
Your car must carry a serviceable spare tyre and
wheel, and a key that will let us remove a wheel
secured by wheel nuts for your car, caravan or trailer ,
if it is designed to carry one.
20 of 33
What is covered
1. If your car breaks down more than 1 mile
from your home, we will arrange and pay for a
breakdown vehicle to come to your car(for up to
one hour) to try to get it working again.
2. If your car cannot be made safe to drive at the
place you have broken down, we will arrange for
your car, the driver and up to six passengers to be
recovered to one of the following locations, taking
your circumstances into account within 15 miles of
a) Your original destination;
b) Your original departure point; or
c) A suitable local garage for it to be repaired.
You must pay the cost of any repairs.
We will pay any necessary ferry and toll fees as
part of the recovery within the UK only
3. If you lose or break your car keys, we will pay
for the call-out and mileage back to our rescue
operator’s base. You will have to pay all other
costs.
4. We will pass on up to two messages to either your
home or place of work to tell them about your
situation.
What is not covered
1. A breakdown at or within 1 mile from your home.
2. Travel outside the UK
3. Car recovery greater than 15 miles from your
location at the time of breakdown
4. Anything mentioned in the general exclusions.
(Please see section L5.)
The cover in this section applies in addition to the
cover shown in Section L1.
What is covered
If your car cannot be made safe to drive at the place
you have broken down, and cannot be repaired the
same day at a suitable local garage, we will choose the
most appropriate solution from the following options,
taking your circumstances into account.
Option 1: nationwide recovery: we will take the driver
and up to six passengers, together with your car,
at your request, to either where you were originally
travelling to or your home address. We will then
arrange for your car to be taken to a suitable repairer
for it to be repaired at your cost, provided this can be
done in one journey.
Option 2: overnight accommodation: we will pay the
costs for bed and breakfast for one night only in a 4*
or equivalent hotel.
Option 3: 24-hour UK hire car: we will pay up to £100
for alternative travel or a hire car (with an engine of up
to 1600cc, for up to 24 hours.) You will be responsible
for returning the hire car and collecting your repaired
car. You must meet the conditions of the hire-car
company to be able to hire a car.
Emergency Driver:
In addition to the benets above, if the driver cannot
drive because of an injury or illness acquired during a
journey, and there is no one else able or qualied to
drive your car, we will provide, and pay for, a driver to
nish the journey or return your car and passengers
to the place you were originally travelling from. You
will need to provide a medical certicate for the driver
before we provide this benet.
What is not covered
1. A breakdown at or within 1 mile from your home.
2. Travel outside the UK
3. Anything mentioned in the general exclusions.
(Please see section L5.)
Section L1 – AXA Roadside
Section L2 – AXA Rescue
21 of 33
The cover in this section applies in addition to the
cover shown in Sections L1 and L2.
What is covered
1. If your car breaks down anywhere at or within 1
mile from your home, we will arrange and pay for a
breakdown vehicle to come to where you are for up
to one hour to try to get your car working again.
2. If your car cannot be made safe to drive at the
place you have broken down, we will arrange and
pay for your car, the driver and up to six people to
be taken to a suitable local garage (normally within
15 miles), for it to be repaired. You must pay the
costs of any repairs.
What is not covered
1. Travel outside the UK
2. Anything mentioned in the general exclusions.
(Please see section L5.)
The cover in this section applies in addition to the
cover shown in Sections L1, L2 and L3. It will only
apply if it is shown on your current policy schedule
and if the premium has been paid.
Please ensure you carry your V5 registration document
with you during your journey. Regulations are different
when you break down in Europe and help may take
longer to arrive.
General notes relating to Europe
If you break down on a European motorway or major
road, generally we cannot help you and you will need
to get help using the SOS phones. The local services
will tow you to a place of safety and you will have to
pay for the service as soon as possible. You can then
contact us if you need more help. We will pay up to
€100 towards the costs, but we will only refund claims
when we have received a valid invoice or receipt. We
will pay you in line with the exchange rate on the date
of the claim.
If you break down in a European country during a
public holiday, many services will be closed. In these
circumstances you must allow us time to help you and
repair your car. We will not be held legally responsible
for any delays in you reaching your destination.
L4a - Before travel abroad starts
The benets shown under section L4d below also
apply in the UK, as long as you break down during
your journey.
L4b - Help at the roadside and towing
in Europe
What is covered
1. If your car breaks down, we will arrange and pay
for a breakdown vehicle to come to where your car
is (for up to one hour) to try to get your car
working again.
2. If your car cannot be made safe to drive at the
place you have broken down, we will arrange
and pay for your car, the driver and up to six
passengers to be taken to a suitable local garage
(normally within 15 miles) for it to be repaired. You
must pay the costs of any repairs by credit or
debit card.
3. After the theft or attempted theft of your car or
its contents, we will pay the costs of repairing the
damage to your car or pay for replacement parts
up to £200, which are needed for emergency
roadside repairs to make your car secure.
What is not covered
1. Any amounts for making your car secure once you
have returned to the UK.
2. Sending you home if your car can be repaired but
you do not have enough money to cover the repair.
3. Anything mentioned in the general exclusions.
(Please see section L6.)
Before travelling, it is recommended that you consult
the laws of the country you are planning to visit. Before
you travel, you should make sure that you check the
documents you need to carry by law.
As a guideline, we recommend you take the following
documents in case you need them by law in the
countries in which you might break down.
■ Photocard driving licence and
supporting documents
■ Insurance documents
■ MOT certificate
■ Logbook (V5 registration document)
The above is not a full list and is for guidance only.
L4c - Delivering replacement parts
What is covered
1. If replacement parts are not available locally to
repair your car after a breakdown, we will arrange
Section L3 – AXA Rescue and Homestart
Section L4 – AXA European
22 of 33
and pay to have the parts delivered to you or an
agreed place as quickly as reasonably possible.
What is not covered
1. The actual cost of replacement parts and any
customs duty. You must pay us this using a credit
card or debit card or any other payment method
we agree is suitable.
2. Any amount for getting parts, if the replacement
parts can be bought locally.
3. Anything mentioned in the general exclusions.
(Please see section L5.)
L4d - Not being able to use your car
What is covered
If during your journey your car breaks down and it is
not safe to drive, and it will take at least twenty four
hours to repair, or if it is stolen and not recovered
within twenty four hours, we will arrange and pay for
the most appropriate solution from one of the
following options:
1. To move you, your passengers and luggage to
where you were originally travelling to, and then,
once your car has been repaired, take you back to
your car or bring your car to you: or
2. The cost of hiring another car while your car is
being repaired. We will pay up to £70 a day and
£750 in total, as long as you are able to meet the
conditions of the hire car company: or
3. We will pay for bed and breakfast costs of up to
£60 for each person each day (£500 in total for
everyone in your group) while your car is being
repaired, as long as you have already paid for your
original accommodation and you can't get your
money back.
What is not covered
1. The cost of fuel or lubricants you use in the
hire car.
2. Replacement parts.
3. Any insurance you have to pay to the hire
car company.
4. Anything mentioned in the general exclusions.
(Please see section L5.)
L4e - If you become ill or injured and
can't drive
What is covered
1. If, during the journey, the driver cannot drive
because of an injury or illness, and there is no
one else able or qualied to drive your car, we will
provide, and pay for, a driver to nish the journey
or return your car and passengers to the place
you were originally travelling from. You will need to
provide a medical certicate for the driver before
we provide this benet.
What is not covered
1. Anything mentioned in the general exclusions.
(Please see section L5.)
L4f - If you can't use your own car to
get home
What is covered
If after a breakdown your car is still not repaired
or safe to drive when it is time for you to go home,
we will pay for suitable transport to get you, your
passengers and your luggage to your home, and up
to £150 towards other travel costs in the UK while
you wait for your car. We will also pay storage charges
(up to £100) while your car is waiting to be repaired,
collected or taken to the UK.
We will then choose the most appropriate solution
from the following options:
1. take your car to your home or your chosen repairer
in the UK or
2. pay the cost of one rail or sea ticket (or an air
ticket if the rail or sea trip would take more than
12 hours) for you to go to get your car once it has
been repaired.
What is not covered
1. Any costs you would have paid anyway for
travelling home.
2. The costs of returning your car to the UK if we
believe that the cost of doing so would be greater
than the market value of your car in the UK, after
the breakdown.
3. The costs of returning your car to the UK if repairs
can be done locally and you are not willing to allow
this to happen.
4. Anything mentioned in the general exclusions.
(Please see section L5.)
General Notes
Uninsured Service
We can provide assistance for faults that are not
covered under this insurance policy or where you
would like us to assist additional passengers who
exceed the maximum of 6 stated in this policy. All
costs (including an administration fee) must be paid
for immediately by credit or debit card. If you wish
to use this service please call 0330 123 4051 and
request the “Pay on Use” service.
23 of 33
1. Any breakdown that happens during the rst 24
hours after you take out cover for the rst time,
except for benets shown under section L1, which
are available immediately.
2. The cost of fuel or any spare parts needed to get
your car working again, or any costs that arise
from not being able to get replacement parts.
You will be responsible for the cost of draining or
removing contaminated fuel.
3. The cost of paint-work and other cosmetic items.
4. Labour costs for more than one hour of
roadside help.
5. The cost and guaranteeing the quality of repairs
when your car is repaired in any garage it is taken to.
6. Any costs if your car has not been maintained
and used in line with the manufacturer's
recommendations.
7. Any call-out or recovery costs in the UK after a
breakdown where the police or other emergency
services insist on your car being picked up
immediately by another organisation. You will have
to pay any fees to store or release your car.
8. Any toll or ferry fees incurred by the driver or the
driver of the recovery vehicle outside the UK.
9. Help or recovery if your car is partly or completely
buried in snow, mud, sand or water.
10. Damage or costs that arise from us trying to get
into your car after you have asked for help.
11. Losses of any kind that come from providing, or
delaying providing, the services this cover relates to.
(for example, a loss of earnings, the cost of food and
drink and costs we have not agreed beforehand.)
12. Loss or damage to personal possessions you leave
in your car.
13. Moving animals. We will decide whether or not to
move any animal from your car, and if we agree
to do this it will be completely at your own risk
and cost.
14. Any costs if your car had already broken down or
was not safe to drive when cover was taken out.
15. The costs of getting a spare wheel or tyre for a
roadside repair if your car does not have one. We
will not pay the costs of arranging for a wheel that
is secured by locking wheel nuts to be removed,
if the driver is not able to provide a key to do this.
This does not apply if your car is not designed to
carry a spare wheel.
16. Any costs if your car has been altered for, or is
taking part in, racing, trials or rallying.
17. Any cost that you can get back under any other
insurance policy or under the service provided by
any motoring organisation.
18. The recovery of your car and passengers if
repairs can be carried out at or near the scene of
the breakdown within the same working day. If
recovery takes place we will only recover to one
address in respect of any one breakdown.
19. Recovering your car when it is carrying more
than a driver and the recommended number
of passengers according to the manufacturers’
specications, if there is more weight in your car
than it was designed to carry or you are driving on
unsuitable ground.
20. Any request for service where you have not taken
remedial action within two working days after a
previous breakdown or temporary repair.
21. Recovery or help if your car is heavier than 3,500
kilograms, longer than 5.1 metres, higher than
2.44 metres or wider than 2.1 metres.
22. Recovery or help if you are hiring your car out to
carry people in return for money, unless we have
agreed this with you.
23. Any faults with the electric windows, sunroofs,
wipers, heaters, de-misters or locks of your car,
unless the fault happens during the course of a
journey and this affects your safety.
24. Recovery or help if your car is being used to carry
commercial goods.
25. Any claim that comes from a poor-quality repair
or a repair that has been attempted without our
permission during the same trip.
26. Delays or failure in delivering service to you due
to any extraordinary event or circumstance which
is outside our reasonable control, such as severe
weather conditions.
27. Mobile phone, phone call and postage costs are
not covered under your policy in
any circumstances.
28. Any costs relating to the caravan or trailer if the
caravan or trailer is not attached to your car at the
time of the breakdown.
29. Any costs for cars that have broken down or were
not safe to drive when cover was taken out.
Section L5 – General exclusions that apply to all sections of
Breakdown cover
24 of 33
1. Your car must be permanently registered in the UK
and, if appropriate, have a current MOT certicate
and valid road fund licence/tax disc on display.
Your car should be kept in a good condition and
have been serviced regularly in line with the
manufacturer's recommendations.
2. We can ask for proof of outbound and inbound
travel dates.
3. If we arrange for temporary roadside repairs to be
carried out after damage to your car, or we take
your car to your chosen place, we will not be legally
responsible for any more help in the same incident.
4. We have the right to refuse to provide a service if
you or your passengers are being obstructive in
allowing us to provide the most appropriate help or
if you or they are abusive to our rescue controllers
or our recovery operators.
5. We will not pay you any benet unless you
contact us using the emergency phone numbers
provided. You must not try to contact any agent or
repairer direct.
6. You are responsible for keeping your car and
its contents safe, unless you are not able to or
you have an arrangement with us or our agent.
You must be with your car at the time we say we
expect to be there.
7. You must quote your policy number when you call for
help and have the relevant documents needed by the
repairer, recovery specialist or our chosen agent.
8. You will have to pay the cost of moving your car or
a repair vehicle coming out to you if, after asking
for help which you are entitled to, your car is
moved or repaired in any other way.
9. We are not responsible for any actions or costs
of garages, recovery rms or emergency services
carrying out work or acting on your instructions or
the instructions of any person acting on your behalf.
10. If we pay a claim under any cover provided by
this insurance, we will be entitled to ask for all
reasonable help from you to take action in your
name to get back our costs from
another organisation.
11. Your car must carry a serviceable spare tyre and
wheel for your car and any caravan or trailer
attached to your car. This condition does not apply
if your car is not designed to carry a spare wheel.
12. We have the right to choose a suitable garage that
is able to carry out a repair, which you must pay
for, as long as the garage can carry out the repairs
within the specied time limits.
13. Where you agree to a temporary roadside repair,
you will be responsible for any costs and/or any
damage to your car you incur if you continue to
drive your car as if a permanent repair had been
carried out. You acknowledge that a temporary
roadside repair is intended only to re-mobilise
your car so it may be driven to a suitable facility to
enable a permanent repair to be carried out.
14. If your car needs to be taken to a garage after a
breakdown, your car must be in a position that
makes it reasonable for a recovery vehicle to pick
it up. If this is not the case, you will have to pay any
specialist recovery fees.
15. You will have to pay for any parts or other products
used to repair your car.
16. We will not arrange for help if we think that it
would be dangerous or illegal to repair or move
your car.
17. During any 12-month period we will not be
responsible for more than two claims which arise
from a common fault on the same car. We will
not be responsible for more than seven claims in
total. If you need our help more than the number
of claims allowed on your policy in a 12-month
period of insurance or more than twice for the
same fault on the same car, you will have to pay
for the services we provide. We will ask for a
credit-card number or debit-card number before
we help you.
18. If you are covered for breakdown by any other
insurance policy or warranty, you must tell us.
19. If you are not willing to accept our decision or
our agents’ decision on the most suitable type of
help, we will not pay more than £100 for any one
breakdown, and you will be responsible for any
additional costs incurred in the recovery and/or
repair of your car.
20. We cannot guarantee that hire cars will always be
available and we are not responsible if they are not
available. We will do our best to arrange a car of
the same size as yours, but we cannot guarantee
that there will be tow bars, bike racks, roof boxes,
or other accessories included. You must meet the
conditions of a hire car company to hire a vehicle.
21. This insurance contract is between you and us. Any
person or company who is not party to this policy
has no right under the Contracts (Right of Third
Parties) Act 1999 to enforce any condition of this
policy This does not affect any other rights another
organisation has apart from under that Act.
22. If you:
a) refuse to allow us reasonable access to your
car to provide the services you have asked for
under this section of your policy or if you fail to
co-operate with our representatives;
Section L6 – General conditions that apply to all sections of
Breakdown cover
25 of 33
b) Make or try to make a fraudulent claim under
your policy;
c) Are abusive or threatening towards our staff; or
d) Repeatedly or seriously break the terms of
this policy.
We may refuse to deal with a claim or breakdown
under this section of your policy. We may also
cancel this policy by providing you with 21 days
notice of cancellation.
Please see General conditions 12 and 13.
We want to give you the best possible service. If you
are not happy with our service, the procedure below
explains what you should do:
Complaints procedure
You can write to the Quality Manager at:
Quality Manager, Inter Partner Assistance SA,
The Quadrangle, 106-118 Station Road, Redhill,
Surrey, RH1 1PR, UK.
Or, you can phone 01737 815 023
If it is impossible to reach an agreement, you may
have the right to make an appeal to the Financial
Ombudsman Service by writing to:
The Financial Ombudsman Service,
Exchange Tower,
Harbour Exchange Square,
London
E14 9GE
Tel: 0300 123 9123 (calls to this number cost no
more than calls to 01 and 02 numbers)
or 0800 023 4567 (calls to this number are now free
on mobile phones and landlines)
Fax: 020 7964 1001
We are a member of the Financial Services
Compensation Scheme (FSCS). The FSCS offers
protection for customers of nancial services rms.
You can get more information at www.fscs.org.UK.
We will keep details of you, your breakdown cover
and claims to help us deal with your claims, prevent
and detect fraud, money laundering or similar activity.
We will use this information in line with the Data
Protection Act 1998.
Upon payment of a statutory fee you can request a
copy of the information that we hold about you. To
request this, please write to:
Data Protection Officer
Inter Partner Assistance SA,
The Quadrangle, 106-118 Station Road,
Redhill, Surrey, UK RH1 1PR,
Please let us know if you think any information we hold
about you is inaccurate, so that we can correct it. The
information we hold about you is confidential. We will
only ever disclose it to another party with your consent,
for the purposes of contacting you about other
products or services, if the law requires us to disclose
it and/or to our agents providing services to you.
We monitor and record phone calls to help maintain
our quality standards and for security purposes.
Our promise
Data Protection Act
26 of 33
General exclusions which apply to all sections of this policy
We will not pay:
1. for any liability, loss, damage, cost or expenses
which takes place while any car insured under this
policy is:
a) being used for a purpose other than that
permitted in the limitations as to use in Section
6 of your certificate of motor insurance or;
b) driven by someone who:
i) does not have a valid driving licence; or
ii) is breaking the conditions of their driving
licence; or
iii) is not specically named in Section 5 of
your certificate of motor insurance as
being entitled to drive your car.
However this exception does not apply if your car is:
a) with a member of the motor trade who is not
named in the certificate of motor insurance
for the purpose of maintenance or repair.
b) being parked by an employee of a hotel,
restaurant or car-parking service who is not
named in the certificate of motor insurance.
c) stolen or taken away without your permission.
2. any costs as a result of an agreement or contract
unless we would have had to pay the costs anyway.
3. for deliberate or intentional loss or damage caused
by anyone insured under this policy.
4. any liability, loss, damage, cost or expense caused
if your car:
a) is not taxed and is not registered in the United
Kingdom with the DVLA unless your car is in
the process of being registered with the DVLA.
a) is normally kept outside England, Scotland
or Wales.
5. any loss or damage to property or any direct or
indirect loss, cost, expense or liability caused by,
contributed to or arising from:
a) ionising radiation or contamination by
radioactivity from irradiated nuclear fuel or
nuclear waste or from burning nuclear fuel.
b) the radioactive, toxic, explosive or other
dangerous properties of any nuclear equipment
or its nuclear parts.
6. any liability, loss, damage, cost or expense caused
by riot, strike or civil commotion outside England,
Scotland, Wales, Isle of Man or Channel Islands.
7. any liability, loss, damage, cost or expense caused
by, resulting from or in connection with or in
controlling or suppressing:
a) war, invasion, act of foreign enemy, hostilities
or warlike operations (whether war be declared
or not).
b) civil war, military rising, insurrections, rebellion,
revolution, uprising, military or usurped power,
martial law or connected looting or pillaging;
conscation or nationalisation or requisition
or destruction of or damage to property by or
under the order of any government or public
authority or any act or condition incident to any
of the above except to the extent that we are
required to provide cover under any relevant
road trafc legislation.
8. any liability, loss, damage, cost or expense while
any car is being used on any part of an airport;
a) to which aircraft have access including areas
used for take off, landing, moving or parking
of aircraft.
b) used for ground equipment parking areas and
service roads.
c) used for customs examination.
9. more than our legal liability under the relevant
road trafc legislation for any claim, if the named
driver of your car insured by us was found to have
been driving whilst under the inuence of drink or
drugs at the time of the accident.
10. any liability, loss, damage, cost or expense caused
by pressure waves from an aircraft or other ying
objects travelling at or beyond the speed of sound.
11. any liability, loss, damage, cost or expense caused
by earthquakes and the results of earthquakes.
12. any liability, loss, damage, cost or expense arising
which directly or indirectly relates to terrorism,
except as is strictly required under the relevant
road trafc legislation; terrorism being dened as
any act or the use or threat of force (whether or not
in the territorial limits) including but not limited to:
a) threat of and/or actual endangerment of the
life of a person(s).
b) threat of and/or actual serious violence
against person(s).
c) involving the threat of and/or actual damage to
any form of property.
d) creating a serious risk to the health and safety
of the public.
e) involving the use of rearms, explosives,
biological, chemical, nuclear or other means.
which is committed by any person(s) for political,
religious or ideological purposes to inuence any
government or to coerce or to put any member of
the public in fear.
13. any liability, loss, damage, cost or expense
caused by pollution or contamination, unless the
pollution or contamination is caused by a sudden,
identiable, unexpected and accidental incident
which happens during the period of insurance.
14. for any costs involved in contacting us regarding
your claim (including telephone calls).
15. for costs resulting out of your criminal or illegal
act, in circumstances where the convicted offence
27 of 33
is one where the court has the power to impose a
sentence of imprisonment.
16. loss or damage arising from conscation,
requisition or destruction of your car by or under
order of any government, public or local authority.
You must:
Comply with the following conditions to have the full
protection of your policy. You should also ensure any
other named driver complies with them. If you or any
other named driver do not comply with them we may
cancel the policy as detailed below, refuse to deal
with any relevant claims, or reduce the amount of any
relevant claim payments.
1. Your policy information
You must have answered truthfully all questions
relating to your details; those of your car and of all
named drivers on your policy that we asked when
your policy started. You must also have truthfully
agreed to all statements that we listed in the terms
and conditions relating to your policy when it started.
If you fail to do so we may;
a) declare your policy void from inception (which
means treating it as invalid), we may not make
any return of premium and also recover any
unpaid premium.
b) cancel this policy by giving you 21 days
notice in writing to either the email or the
postal address last known to us and return
any premium less our cancellation charge of
£52.50 or recover any unpaid premium.
c) remove one or more named drivers from your
policy and adjust your premium accordingly.
d) recover any shortfall in premium.
e) not pay any claim that has been or will be made
under the policy.
f) be entitled to recover from you the total
amount of any claim already paid under the
policy or any claim we have to pay under
any relevant road trafc legislation, plus any
recovery costs.
2. Changes to your policy
Please advise us of the following changes (via your
AXA Account if possible) either before the change
or as soon as you possibly can.
a) If you sell or change your car.
b) If you change your address or where you keep
your car.
c) If you want to add or remove a named driver.
d) If you scrap your car or it becomes the subject
of a Statutory Off Road Notication (SORN).
e) If you are moving abroad permanently.
f) If you or any named driver receive a non
motoring conviction.
g) If you modify or alter your car from standard
UK specication.
h) If you want to use your car for a purpose not
shown on your certificate of motor insurance.
i) If you or anyone else covered to drive is told by
the DVLA they cannot continue driving.
Please tell us at renewal about the following changes:
a) If you or any named driver receive a motoring
conviction, xed penalty notice or licence
endorsement, are banned from driving or
change licence entitlement.
b) If you or any named driver change your
occupation or business in which you work.
c) If any of the information provided by you to us
when you took out or last renewed your policy
has changed or is incorrect. You can check this
information in your AXA Account.
If you are unsure whether a change will affect your
policy cover please ask us.
When you tell us about a change we will assess
how it affects your policy and you may need to
pay an additional premium. In some cases we
may not be able to continue with your policy,
where this happens you will be advised and you
will be given 21 days notice to arrange cover with
an alternative insurer.
If your car is declared a total loss we will advise
you and give you 30 days from the date we pay
your claim to replace your car. If you do not advise
that your car has been replaced within this time
we will assume that your policy is not needed and
cancel it. As a claim has occurred no refund of
premium will be provided.
3. Protecting your car
You must take all reasonable steps to protect your
car and its contents from loss or damage.
4. Maintaining your car
You must make sure your car is roadworthy
including that it has, if required, a valid MOT
and complies with the relevant legislation in any
General conditions applying to all sections of your policy
28 of 33
country where it is being driven. We reserve the
right to examine your car at any reasonable time.
5. Claims
If you have a claim or any incident that may lead to
a claim under your policy you must;
a) tell us as soon as possible. If your car has
been stolen you must advise the police and co-
operate fully with their investigations;
b) give us full control of the claim including the
uplift storage and repair of your car. We may
take over, defend or settle the claim, or take up
any claim in your name; you must not negotiate
regarding any claim, settle any claim without
our written permission or admit liability for any
claim unless we ask you to do so;
c) co-operate with us fully including;
i) giving us consent to proceed with the
repair to your car as soon as possible after
we have obtained an estimate from our
approved repairer;
ii) providing us with any formal
documentation including the V5
registration certicate for your car,
personal identity requests or driving
licence for any named driver of your car;
iii) upon our request, send to us, unanswered,
as soon as possible any documents you
receive such as notice of prosecution,
coroner's inquest, fatal accident inquiry, court
summons, claim or letter. If the accident has
been recorded by your dashboard camera
you should let us have copies of the accident
recording as soon as possible.
d) if the damaged car is provided by us under
Section A – (Damage to your car), Section B -
(Fire and theft), or J - (Courtesy car upgrade) the
car will be referred to our approved repairers.
6. Other policies
We will not pay more than our share of your claim,
if you or anyone else has any other insurance
which covers all or part of the same loss, damage
or liability.
7. Fraudulent claims
Throughout your dealings with us we expect you to
act honestly. If you or anyone acting for you:
a) knowingly provides information to us as part of
your application for your policy that is not true
and complete to the best of your knowledge
and belief; or
b) knowingly makes a fraudulent or exaggerated
claim under your policy; or knowingly makes a
false statement in support of a claim; or
c) submits a knowingly false or forged document
in support of a claim; or
d) makes a claim for any loss or damage
caused by your wilful act or caused with your
agreement, knowledge or collusion
then
a) we may prosecute fraudulent claimants.
b) we may make the policy void from the date of
the fraudulent act.
c) we will not pay any fraudulent claims.
d) we will be entitled to recover from you the
amount of any fraudulent claim already paid
under your policy since the start date.
e) we will not return any premium paid by you for
the policy.
8. Car sharing
This policy covers you while carrying passengers
for social reasons or similar as long as:
a) you do not carry passengers as customers of
a passenger-carrying business, car sharing
scheme or for hire and reward.
b) you do not make a prot from passengers'
payments or from allowing someone to drive.
c) your car is not made or adapted to carry more
than eight passengers (excluding the driver)
and you do not exceed the maximum seating
capacity of your car.
If you are in any doubt as to whether any car
sharing arrangements you have are covered under
this policy please contact us via My AXA Account
9. Proof of NCD
You will be required to provide proof of your no
claims discount (NCD).
Proof of NCD must -
a) show your name as the policyholder;
b) show the number of years No Claims Discount
you are entitled to;
c) show the expiry date of your previous policy
which must not be more than 24 months
before the start date of this policy;
d) be issued by your previous insurer in England,
Scotland or Wales;
e) be earned on a private car or single commercial
vehicle policy
f) be earned in England, Scotland or Wales;
g) be earned on a full UK or EU licence;
h) not be currently used to insure another vehicle.
Commercial car, classic car, motor home or motor
trade proof of No claims discount or bonus is
not acceptable.
If you do not provide proof of NCD when requested,
we will reassess your policy and may charge an
additional premium or, if we are unable to continue
cover, we will cancel this policy by giving you 21
days notice in writing to either the email or the
postal address last known to us.
10. Compulsory motor legislation
If, under the law of any country this policy covers
you in, we have to make a payment which we
would not otherwise have paid under this policy,
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we may recover any claim payment from you or
from the person who the claim was made against.
11. Payment of premium
You must pay the premium or any instalment
on demand. If you have chosen to pay for your
policy by lump sum, your payment will be debited
from your payment card immediately and will
appear on your statement within 3 working days.
This includes any additional premium or related
administration fees that may arise from changes
made to your policy.If you have chosen to pay for
your policy by instalments, you will be provided
with a Fixed Sum Loan Agreement in accordance
with the Consumer Credit Act 1974. This contains
important information relating to your credit
agreement. Your deposit will be debited from
your payment card immediately and will appear
on your statement within 3 working days.Should
you make any change to your policy that affects
your premium, you will receive an amended Fixed
Sum Loan Agreement to outline your new credit
agreement and any related administration fees
that may arise from these changes will be debited
from your payment card immediately and will show
on your statement within 3 working days. You may
change your payment method from instalment to
lump sum at any point during the current period
of insurance.
Should you fail to make your payment(s) in full and
by the due date, we will contact you. If payment has
not been received within 7 days of us contacting
you, we will send you a reminder via text and e mail.
If payment remains outstanding after 3 working
days of this reminder, we will contact you again
to provide a nal date for payment. If we are still
unable to collect payment from you we will seek to
recover your payment(s) and may:
a) charge you an administration fee of up to
£15.00 if a payment is unsuccessful due to a
cancelled instruction or insufcient funds.
b) terminate your Consumer Credit Agreement.
c) Cancel your policy 21 days after our initial
contact with you if we have been unable to
collect payment during this time. We will notify
you in writing to either the e-mail address or
postal address last known to us.
d) in the event of a claim, refuse to pay any claims
pending on your policy or take any unpaid
premiums from any claim payment we make
to you or recover any unpaid premium directly
from you.
e) refer details of your policy to our debt
collection agencies that will seek to recover
your payment(s) on our behalf and may record
the outstanding debt. Should this action
be taken, we reserve the right to add an
administration fee to the value of your debt to
cover costs incurred.
12. Cancelling your policy
a) In the reection or cooling off period
If you are not satised with the terms and
conditions of your AXA contract, you have the
right to cancel your policy back to the original
start date. If you decide to cancel your policy
in this way, it must be done within the 14 day
cooling off period which commences when the
policy is purchased or received by you. If your
policy is cancelled back to the start date, you
will not have been covered by us. We will return
the premium paid minus an administration fee
of £25, provided that no claims or accidents
giving rise to a claim have occurred. If any
claim or accident giving rise to a claim has
occurred there will be no return premium.
b) Outside the cooling off period
If you choose to cancel outside the 14 day
cooling off period and provided no claims or
accidents have occurred, you will be entitled
to a refund of the premium paid, subject to a
deduction for the time for which you have been
covered. This will be calculated on a pro-rata
basis for the period you have received cover.
There will also be a cancellation fee of £52.50.
If you exercise your right to cancel outside the 14
day cooling off period and a claim has occurred,
you will not be entitled to a refund of the
premium paid and we reserve the right to apply our
cancellation fee of £52.50.
If you have not paid us sufcient money for us to
retain premium, or if you have not paid the full
annual premium but have had an accident or claim
or committed fraud or made a false declaration,
then we reserve the right to recover the money that
you owe and apply our £52.50 cancellation fee.
We can only deal with you in respect of
cancellation – we are unable to cancel the policy
on the authority of anyone else even if you have
given authority for them to act for you.
We may cancel your policy:
a) in the event of deliberate or reckless
misrepresentation (see General condition 1).
b) if we are unable to continue cover due to changes
to your policy (see General condition 2).
c) in the event of fraudulent claims (see General
condition 7).
d) if you are unable to provide the appropriate
proof of NCD (see General condition 9).
e) if you do not pay your premium (see General
condition 11).
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Cancelling your policy means you will not be
covered from the date and time of cancellation.
The certificate of motor insurance remains
our property and in accordance with the Road
Trafc Acts and the Motor Vehicles (Electronic
Communications of Certicates of Insurance) Order
2010 you must send us a formal electronic notice to
conrm that your insurance cover has ceased. Upon
cancellation we will send you the appropriate form
which you must return to us. Alternatively you may
print and post a copy of your certificate of motor
insurance to us at AXA Court, Fudan Way, Stockton-
on-Tees, TS17 6EN on which you state that cover
has ceased and which you sign to that effect.
If you do not return a conrmatory cancellation
notice to us or a signed copy of your certificate of
motor insurance you will be required to complete
a statutory declaration that all copies have been
returned to us, lost or destroyed.
13. Cancelling optional covers
(Sections I, J, K or L)
You have the right to cancel optional Sections I,
J, K or L of your policy back to the original start
date. If you decide to cancel any optional section of
your policy in this way, it must be done within the
14 day cooling off period. The 14 day cooling off
period commences when the policy is purchased or
received by you. Cancelling your policy in this way will
mean that you will not have been covered by us. If
your policy is cancelled back to the start date, we will
return the premium paid, provided that no claims or
accidents have occurred.
If you cancel sections I, J, K or L after 14 days of
the start date we will not refund the premium for
this cover.
14. Automatic renewal
By purchasing this policy you have provided
consent to set up a continuous payment
authority. This means we are authorised to
automatically renew your policy and apply for
renewal payments from your account every year,
even if your card has expired, until you instruct us
to stop.
We will contact you by email at least 21 days
before the end of your period of insurance. If you
still meet our eligibility criteria, we will seek to
automatically renew your policy by using the latest
details you provided to us. You will also be provided
with a renewal invitation which you should check
via My AXA Account to ensure all your details
are still correct and relevant. If any changes are
required or you do not wish to renew your policy
you should let us know via My AXA Account before
your renewal date.
Please note that if you pay annually by Switch or
Maestro we will not be able to automatically renew
your policy. If you no longer meet our eligibility
criteria, we will not be able to renew your policy. In
all cases we will contact you prior to your renewal
date to advise you what to do next.
How to opt-out
Email us after you have purchased the policy at
[email protected] or call us
on 0330 024 1158
15. Fees
We are an online company and all your
documentation will be available via My AXA
Account. We reserve the right to charge an
administration fee of up to £30 for any change or
correction to your policy that we make on your
behalf.
If you choose to cancel your policy, we reserve the
right to charge a £25.00 administration fee if you
cancel your policy within the rst 14 days (cooling
off period).
If you cancel outside the 14 day cooling off period
the cancellation fee will be £52.50.
If we cancel your policy the cancellation fee will
be £52.50.
If you have paid your premium using a credit card
a 2% charge applies which is not refundable if you
cancel your policy.
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AXA Insurance Services Limited aims to provide the
highest standard of service to every customer. If our
service does not meet your expectations, we want to
hear about it so we can try to put things right.
All complaints we receive are taken seriously. The
following will help us understand your concerns and
give you a fair response.
Making your complaint
If your complaint relates to a claim on your policy,
please contact the department dealing with
your claim. If your complaint relates to your policy,
please contact:
AXA Help Team on: 0330 024 1158
Write to:
Customer Relations Manager
AXA Insurance
9 Fudan Way
Stockton on Tees
TS17 6EN
Email: [email protected]
When you make contact please provide the
following information:
■ your name, address and postcode, telephone
number and e-mail address.
■ your policy and/or claim number, and the type of
policy you hold.
■ the reason for your complaint.
Any written correspondence should be headed
‘COMPLAINT’ and you may include copies of
supporting material.
Beyond AXA
Should you remain dissatised following our nal
written response, you may be eligible to refer
your case to the Financial Ombudsman Service. This
is an independent body that arbitrates on complaints
about general insurance products. You have six
months from the date of our nal response to refer
your complaint to the Financial Ombudsman Service.
This does not affect your right to take legal action.
If we cannot resolve your complaint you may refer it
to the Financial Ombudsman Service at the address
given below:
The Financial Ombudsman Service,
Exchange Tower,
Harbour Exchange Square,
London
E14 9GE
Tel: 0300 123 9123 (calls to this number cost no
more than calls to 01 and 02 numbers)
or 0800 023 4567 (calls to this number are now free
on mobile phones and landlines)
Fax: 020 7964 1001
Email : complaint.info@financial-ombudsman.org.uk
Our promise to you
We will
■ Acknowledge all complaints promptly.
■ Investigate quickly and thoroughly.
■ Keep you informed of progress.
■ Do everything possible to resolve your complaint.
■ Use the information from complaints to
continuously improve our service.
How we use your information and who we
share it with
Your privacy is important to us and we promise we
will respect your personal information. We will use
your information to manage your insurance with us,
including underwriting, claims handling, No claims
discount entitlement and statistical analysis. This
may include disclosing your information within the
AXA Group and to agents, suppliers, other insurers, or
reinsurers who provide services on our behalf.
We do not disclose your information to anyone outside
the AXA Group except:
■ where we have your permission; or
■ where we are required or permitted to do so by
law; or
■ to other companies who provide a service to us
or you which includes proof of No claims discount
(NCD) entitlement; or
■ where we may transfer rights and obligations
under this agreement.
We may transfer your information to other countries
including those located outside the European
Economic Area. If we do this we will seek to ensure
that anyone to whom we pass it provides an adequate
level of protection.
Making a complaint
Sharing of information
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Fraud prevention and credit reference
agencies
To keep premiums low we participate in a number of
industry initiatives to prevent and detect fraud. To help
prevent crime we may at any time:
1. approach the DVLA to check all or any relevant driving
licence details of anyone named on the policy.
2. share information about you with other organisations
and public bodies including the police.
3. Share information about you and any other named
drivers on the policy within the AXA Group and
with other insurers.
4. pass the details you have supplied to recognised
centralised insurance industry applications, policy
and claims checking systems (for example the
Motor Insurance Anti-Fraud and Theft Register,
CUE, CIFAS, the Insurance Fraud Register, and
all DVLA databases) where those details will be
checked and updated.
5. check the details you have supplied with fraud
prevention agencies and databases including
publicly available data (for example on county
court judgements, bankruptcy information
and electoral roll data). If false or inaccurate
information is provided and fraud is identied,
details will be passed to fraud prevention agencies
to prevent fraud and money laundering.
6. periodically search records held by fraud
prevention and credit reference agencies to:
a) help make decisions about credit services for
you and your nancial associates .
b) help make decisions on insurance policies and
claims for you and your nancial associates.
c) trace debtors, recover debt, prevent fraud and
to manage your insurance policies.
d) check your identity to prevent money laundering.
For more information about the agencies with
which we share your data, including further details
explaining how the information held by fraud
prevention agencies may be used, please email us
If you would like a copy of the information we hold
about you, please write to: The Data Protection Ofcer,
AXA Insurance, Civic Drive, Ipswich, Suffolk IP1 2AN
quoting your policy number.
A cheque for £10 made payable to AXA Insurance
should accompany your request.
We make searches about you at credit reference
agencies who will supply us with information, including
information from the Electoral Register and credit
information. The agencies may record details of the
search whether or not this application proceeds. We
may use scoring methods to assess this application
and to verify your identity. Searches and other
information provided to us and/or the credit reference
agencies, about you and those with whom you are
linked nancially may be used by us if you, or other
members of your household, apply for other facilities
including insurance applications and claims. This
information may also be used for debt tracing and
the prevention of money laundering as well as the
management of your account.
Motor Insurance Database
Information relating to your policy will be added to
the Motor Insurance Database ("MID") managed by
the Motor Insurers’ Bureau ("MIB"). MID and the data
stored on it may be used by certain statutory and/or
authorised bodies including the Police, the DVLA, the
Insurance Fraud Bureau and other bodies permitted by
law for purposes not limited to but including :
Electronic Licensing
Continuous Insurance Enforcement;
Law enforcement (prevention, detection, apprehension
and or prosecution of offenders)
The provision of government services and/or other
services aimed at reducing the level and incidence of
uninsured driving.
If you are involved in a road trafc accident (either in
the UK, the EEA or certain other territories), insurers
and/or the MIB may search the MID to obtain relevant
information.
Persons (including his or her appointed
representatives) pursuing a claim in respect of a road
trafc accident (including citizens of other countries)
may also obtain relevant information which is held on
the MID.
It is vital that the MID holds your correct registration
number. If it is incorrectly shown on the MID you are
at risk of having your car seized by the Police. You can
check that your correct registration number details are
shown on the MID at www.askmid.com.
You should show this notice to anyone insured to drive
your car covered under this policy.
Additional products
When you take out other policies with us, your details will
be passed to the appropriate provider as shown below:
■ Breakdown claims - AXA Assistance (UK) Limited
■ Glass claims – Autoglass®
■ Courtesy cars - Enterprise Rent A Car Ltd
If you have given us permission, we and other
companies may use your details to send you
information about other products and services that
may interest you or to carry out research.
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You can contact us by email or phone
AXA Help Team (for help with your insurance)
Monday to Friday 8am - 8pm, Saturday 9am – 5pm, Sunday and bank holidays 10am – 4pm
Phone 0330 024 1158
Email [email protected]
AXA Claims Team
Monday to Friday 8am - 8pm, Saturday 9am – 12noon (excludes Sundays and bank holidays)
Phone 0330 024 1305 (whilst in the United Kingdom)
00 44 1732 376 249 ( whilst in Europe)
Online Log on to My AXA Account and ‘Make a claim’ (new and existing claims)
Email [email protected] (enquiries about existing claims only)
Emergency support is available 24 hours a day, every day.
AXA Glass Team
24 hours, 7 days a week
Phone 0330 024 1306
AXA Breakdown Team
24 hours, 7 days a week
Phone 0800 197 1121
00 44 1737 815 375 (whilst in Europe)
AXA Legal Help Team
Monday to Friday 8am - 6pm (excludes bank holidays), Saturday 9am – 12 noon
Phone 0330 024 1305
Email [email protected]
Contact us
AXA insurance policies are underwritten by AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority with registered number 202312. Registered address is 5 Old Broad Street, London EC2N 1AD.
Registered in England and Wales number 078950. Inter Partner Assistance is a Belgian rm authorised by the National Bank of Belgium and subject to
limited regulation by the Financial Conduct Authority. Details about the extent of its regulation are available from us on request. Inter Partner Assistance SA
rm register number is 202664.
Details can be checked on the FCA's register by visiting the FCA's website at www.fca.gov.UK/register.
ADMDOC 10.2015
