Car Claim

Car Insurance
How to declare your claim

1. What to do in case of an accident?

You must obtain a police report as this is required by law to process your claim. This is also required by the workshop to carry out the repairs on your vehicle.....

2. What documents do I require to report a claim?

  • Original police report;
  • Copy of the registration card of the vehicle;
  • Copy of the driving license of the driver at the time of the accident.

3. How to report a claim?

You no longer need to come to the AXA office to report a claim. You simply have to call the AXA Motor Claims toll free number 800 116 4845 to open your claim.
We will record details of the incident and advise you of the next steps.
Please remember it is important that you report any accident /damage to your vehicle first to police and then to us immediately.

Once the claim is opened, you will receive an SMS with a claim reference number and the contact details of a garage appropriate to the type of policy & the insured vehicle.


4. How is my No-claims Discount affected when the accident/damage to my vehicle is not my fault?

If you have comprehensive cover, we will repair your vehicle in accordance with the terms of your policy.

Where the "at fault third party” is known, we will then seek to recover our costs from the person at fault and no excess is payable on recoverable claims. Your No-claims Discount will not be affected by this claim.

Where the at fault third party is not known, your No-claims Discount may be affected because we cannot recover the cost of your claim.


5. Which garages will you use to repair my vehicle?

If you have selected Agency Repairs then your vehicle will be repaired at the vehicle’s authorized dealership. Otherwise AXA will select one of its own authorized repairers. We only use garages that adhere to our strict quality controls. Garages must have experienced qualified personnel and access to sophisticated repair equipment. For this reason we are able to offer a 12-month guarantee on repairs carried out at non-agency garages.

6. Why am I charged with multiple excess?

The Policy excess is applicable to any non-recoverable claim. This is specified in your policy schedule.

In the event that you report multiple claims at the same time, a separate excess for each claim / event may be applied by AXA. Examples of multiple claims include scratches and dents to the vehicle which cannot clearly be attributed to one single event.


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