Car insurance FAQ

What is car and key rescue?

Car Rescue

Car rescue will cover you when your car breaks down. We will arrange roadside assistance, towing and help you to complete the journey if the repairs cannot be completed on the same day. You can contact our 24-hour car rescue line on 0818 7 365 24 or 00353 1 858 3200 from the UK.

Car rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

Key Rescue

Key rescue provides up to €1,500.00 (inc. VAT) towards lock and key replacement (including reprogramming of alarms and immobilisers) and costs of transportation in the event of lost or stolen keys or keys broken in any lock of your car. We will also cover up to €40.00 (inc. VAT) per day for up to 3 days for car hire if you are stranded more than 30 kilometres away from home or alternatively we will cover reasonable public transport or taxi fares for you and up to 4 passengers.

Key rescue is an optional extra and an additional charge will apply if you want to buy this cover. Terms and conditions apply.

Your Schedule will show if you have this cover. You can view this document through your MyAXA account. To register for MyAXA, please visit here.

What is comprehensive driving of other cars?

With this cover, you can enjoy the same comprehensive cover you have on your own car insurance policy when driving other cars do not belong to you, your husband, wife, partner or employer or is not hired or leased, under a hire purchase or leasing agreement, to you, your husband, wife, partner or employer.

Please note: There is a €75,000 limit on the borrowed car.

Please refer to your policy booklet for more details.

Your policy schedule will show the level of cover on your policy. You can view this document through your MyAXA account. To register for MyAXA you'll need your policy number, email address and date of birth.

What is open driving?

Open driving covers any driver aged between 25-70 with a full Irish, UK, EU licence to drive your car with your permission.

Open driving is an optional extra and an additional charge will apply.

Terms and conditions apply.

Your Schedule will show if you have this cover which you can view and download from the My Documents section of your MyAXA Account.

What's the difference between Comprehensive and Third Party, Fire and Theft cover?

Comprehensive covers:

Damage by fire or theft
We will also pay any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of €30 million.
Accidental damage caused by you or others
Malicious damage or vandalism
Windscreen repair or replacement cover

Third Party, Fire and Theft covers:

Damage by fire or theft
Any claims or expenses arising from legal action brought against you following a road accident. There is no limit on the amount of personal injury claim settlements we pay on your behalf. If you damage someone else's property, there is a limit of €30 million.

You’ll find more details in your policy booklet.

Am I covered to tow a trailer on my Car Insurance policy?

Yes. Third Party liability cover to tow a single axel trailer is automatically included with AXA Car Insurance as standard.

Please note: This cover only applies when the trailer is attached to your vehicle or if it becomes detached in the course of a journey.

Terms and conditions apply.

You’ll find more details in your policy booklet.

What car insurance cover options does AXA offer?

We offer the choice of three levels of car insurance cover which you can choose from depending on your needs.

Third Party Only – this is the standard car insurance cover that is required by law. It covers damages to the third parties involved when an accident occurs.
Party, Fire and Theft – this is our mid-level cover which provides coverage for fire and theft, as well as damage to third parties involved.
Comprehensive – our comprehensive cover provides a more complete coverage. It includes all that is covered in third party fire and theft, plus additional benefits such as windscreen or misfuelling cover.

Can I get Car Insurance as a learner driver?

As a learner driver we're here for you every step of the way, from helping you complete your driving lessons to taking the driving test.

Along with providing learner drivers with insurance, we have also teamed up with the Irish School of Motoring to help keep the costs of learning to drive low for you.

If you choose us for your Car Insurance as a learner driver, you can get 12 EDT-approved lessons from €495, along with AXA Test Drive and a learner driver guide, for free.

Read more about our Young Driver Insurance.

Can I get a Car Insurance quote if I don’t have a car registration number yet?

If you're shopping around for a car, and don't know the exact registration number, you can still get an estimated Car Insurance quote by entering the make and model of the car you're looking at.

Once you've bought the car and have the registration number, we'll be able to give you an accurate price and you can choose to go ahead with the insurance.

Any quote you get will be based on an agreed set of assumptions.

What is no claims discount protection?

No claims discount protection is an optional extra you can choose on your Car or Van Insurance for an extra cost.

It means you can rest easy knowing you can make one claim on your insurance policy without it affecting your no claims discount.

You must have earned a maximum no claims discount to add this cover and it can only be added at the start of a new policy, or when you are renewing your current AXA policy.

Terms and conditions apply.

Visit our Car Insurance or Van Insurance pages for more information.

Am I covered for a courtesy car after an accident if my own car is in for repair?

Yes, if your car is repairable and we are dealing with your claim, a Courtesy Car will be provided to you while repair to your car is being carried out by an AXA approved repairer. However long it takes.

Can I get an online quote if I've had no previous insurance?

Yes, we offer insurance to first time drivers and drivers who have no previous insurance in their own name.

Read more about our Car Insurance cover.

What is an excess?

An excess is the first part of a claim that you will have to pay.

For example, if you have an excess of €100 and make a claim worth €1,000, we will pay €900 of the claim settlement amount and you'll be asked to pay the €100 excess amount.

Your excess amount is noted on your policy schedule.

Car and Home Insurance customers can view their policy schedule in their MyAXA account.

To register for MyAXA you'll need your policy number, date of birth and email address.

Do I need a Green Card?

The UK Ministry of Transport has agreed that Green Cards will not be required for Irish vehicles travelling to the UK including Northern Ireland. It has been agreed that the insurance disc will be accepted as proof of insurance.

What is a multiproduct discount?

We offer a discount on your car insurance if you, or anyone living at your address has a car, home or van AXA direct policy.

We offer a discount on your home insurance if you have an existing van or car policy with AXA directly.

Please note: All discounts are subject to the minimum premium.

Can I get a Car Insurance quote online if I'm a first time driver?

Yes, we offer insurance to first time drivers and drivers who have no previous insurance in their own name.

Read more about what's covered with our Car Insurance and how we support our young drivers.

To get a Car Insurance quote, simply select 'NO PREVIOUS INSURANCE' in the driving experience question.

Or you can give us a call on 0818 7 365 24 and one of the team will be happy to help.

I've just bought a new policy, can I cancel it?

If you've just bought a policy with us, you can cancel your policy within the first 14 days and we'll give you a full refund, provided that no claims have been made during this period.

You’ll find more information around policy cancellations in your policy booklet.

I hold a provisional licence, can I drive on my own?

By law, you are not allowed to drive on your own if you hold a provisional Irish licence or learner permit. For your own safety you must always be accompanied by a fully licenced driver, who has held their full licence for a minimum of 2 years.

I am thinking about buying a second car - will I be able to use my no claims discount again?

Unfortunately, you can't use your no claims discount twice.

However, if you are the only driver on both policies, you may be eligible for an introductory discount on your second car.

Get a Car Insurance quote for your second car or give us a call on 0818 7 365 24 if you need to speak to one of the team.

You'll find more information on our Car Insurance page.