Car insurance

Find answers to the most common questions about car insurance.

• 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?

  Comprehensive Driving of Other Cars is an optional extra you can add to your car insurance. When you choose this cover, you can enjoy the same comprehensive cover you have on your own car insurance policy when driving other cars that are not owned, hired or leased by you or your partner.

  Please note: There is a €50,000 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:

  1. Damage by fire or theft
  2. 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.
  3. Accidental damage caused by you or others
  4. Malicious damage or vandalism
  5. Windscreen repair or replacement cover

  Third Party, Fire and Theft covers:

  1. Damage by fire or theft
  2. 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.

  1. 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.

  2. 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.

  3. 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.

  Read more about our Car Insurance cover option.

• 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.

• 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.

  Read more about your Car Insurance.

• 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.