AXA car insurance is one of best car insurance products available in the UAE. AXA offers three auto insurance products right from basic third-party to complete cover that provides you peace of mind behind the wheel. Each of the AXA Car Insurance plan offer comprehensive coverage with some additional benefits and optional extras. You can also get a discount of 50% when you purchase it online. In addition to offering car insurance, AXA offers an array of insurance services and products to its customers to meet their insurance requirements.
Types of AXA Car Insurance Policies in Dubai
Being one of the largest insurance providers globally, AXA is committed to offering some of the best motor insurance policies to its customers. Here is a list of car insurance policies that are offered by AXA:
1. AXA Comprehensive Car Insurance Policy
AXA comprehensive insurance policy covers damages or losses that happen to you and your automobile in addition to safeguarding you against third-party liabilities. Thus, it safeguards you, your passenger, and your car. You can opt for this plan if your car is fifteen or less. With Comprehensive Car Insurance plan, you are covered for damages due to accidents, natural disasters, and theft.
2. AXA Third Party Insurance
Third-party liability car insurance is a basic auto insurance policy that is compulsory for all car owners in the UAE as per the RTA law. AXA third party insurance safeguards you against the legal liability towards third-party personal injury as well as property damage. However, Third-party liability car insurance doesn’t cover death or injury of the policyholder or any damage done to the vehicle.
Features and benefits of AXA Car Insurance
There are several AXA car insurance benefits and features. Here are some irresistible ones:
Third-Party Cover: AXA offers a third-party car insurance policy that covers liability towards third-party injury, death or permanent disability, and property damage in case of an accident.
Competitive Premium Rates: AXA motor insurance policies are available at affordable premiums.
AXA Car Insurance Discount: Safe drivers can avail of a discount of 10% when they buy car insurance online from AXA. Also, they can get benefits from a host of complimentary services.
SMS Alerts: When a claim is filed, SMS alerts related to a new development in the car insurance claim process are sent to the policyholder.
24*7 Customer Support: Round the clock assistance available for policyholders. You can call on 800 AXA (292) to get any policy related assistance.
Why Buy AXA Car Insurance Policy in UAE?
AXA Insurance Company aims to offer unmatched plans, impeccable services and hassle-free claim filing experience to keep its policy buyers happy and satisfied. AXA also offers comprehensive as well as third-party liability car insurance policies in order to fulfil the insurance requirements of policy buyers. In the hour of need, it offers an extra layer of security against financial burden caused due to accidents, natural disasters, and theft. This isn’t it, there are more reasons to choose an AXA car insurance policy as it offers additional benefits like - complimentary airport pick-up & drop-off when your vehicle is servicing, SMS updates during car repair, discounted rates for local car rentals for personal usage, and also a discount of 15% on international car rental bookings from Europcar Dubai.
Best AXA Motor Insurance Plans in Dubai and UAE
Here is List of AXA Car insurance Dubai Polices with thier benfits and services offered in tabular form:
AXA Motor Insurance Plans in Dubai and UAE
Features & Benefits
Motor Prestige
Motor Perfect
Motor Third-Party
Damage or Loss to the insured automobile
Yes
Yes
Not Applicable
Third-party injury
Yes
Yes
Yes
Third-party property damage
AED 5,000,00
AED 3,50,000
AED 3,50,000
Legal liability expanded to cover insured’s family members
Yes
Yes
Yes
Theft & fire cover
Yes
Yes
Not applicable
Flood, storm, riot, & strike
Yes
Yes
Not applicable
Personal injury coverage
AED 20,000
AED 20,000
Not applicable
Emergency medical expenditures
AED 6,000
AED 3500
Not applicable
Personal belongings cover
AED 4,000
AED 4,000
Not applicable
No Claim Discount
Yes
Yes
Yes
Oman Cover
Yes
Yes
Optional
Off-road coverage
Yes
Yes
Not applicable
Guaranteed repairs
Yes
Yes
Not applicable
Maximum period of agency repair
Included five years
Optional up to five years
Not applicable
Back to invoice for a complete loss
One year from the first registration
Six months from the first registration
Not applicable
Excess windscreen damage waiver
Yes
Yes if less than AED 5K
Not applicable
Personal accident cover for driver
Optional AED 350,000
Optional AED 200,000
Optional AED 200,000
Personal accident cover for passengers
Optional AED 200,000
Optional AED 200,000
Optional AED 200,000
rent car benefit
Yes, up to AED 1500
Optional up to 7 days
Not applicable
24 hour accident & breakdown recovery
Yes
Yes
Yes
GCC Coverage
Optional
Optional
Not applicable
Pickup and delivery (claims service)
Yes
Yes
Not applicable
What is covered under AXA Motor Insurance Plans?
Following are the inclusions of AXA car insurance plans:
Third-party liability bodily injury
Third-party property damage
Legal Liability expanded to cover insured person’s family members
Oman cover extension
Personal accident cover for driver
Personal accident cover for passengers
24 hour accident as well as breakdown recovery
What is not covered under AXA Car Insurance Plans?
Below-mentioned are the exclusions of AXA car insurance plans:
AXA car insurance policy doesn’t cover third-party liability arising from accidents involving insured person’s automobile in cases given below:
Accidents that happen outside the geographic area already specified in a car insurance policy.
Accident which takes place directly or indirectly, remotely or proximately occasioned by, traceable to or contributed to by or arising out of or in connection with ionising radiation, contamination by radioactivity from any kind of nuclear fuel or from the nuclear waste from the combustion of nuclear fuel direct or indirect with any of the aforementioned clauses.
Accidents involving the policyholder or any passenger while driving outside public road.
AXA motor insurance doesn’t cover any liability due to an agreement made by the policyholder where no liability would arise but for that agreement.
It also excludes liability arising out of vehicle usage against rallies, racing and/or speed trials.
The company will not pay for any damage, loss, injury or accident which is a direct or indirect result of invasion, war, civil war, civil commotion, activities of a foreign enemy,warlike operations or hostilities (whether the war was declared or not), rebellion, revolution, or insurrection, etc.
Damage, loss, or injury which is a direct or indirect result of any action taken in preventing, suppressing, controlling, or in any other way relating to any of the clause listed is also not covered.
Additional Benefits Provided by AXA Auto Insurance
AXA car insurance company offers following additional benefits to its customers:
Coverage of the vehicle cost, as per the original invoice in case of complete loss (no depreciation for twenty four months).
RTA inspection done by AXA auto insurance company on behalf of policyholder.
Replacement vehicle in case of a car insurance claim.
Option of dealership/agency repair or with AXA network garages.
Round the clock roadside assistance service.
24x7 breakdown recovery
Off-road coverage
Airport pick-up and drop-off service in case your car is at the workshop.
Oman extension cover for all road trips to Oman.
How to File a Claim with AXA Car Insurance
Filing for a claim with AXA auto insurance is easy. All you have to do is just follow these simple steps and get your claim:
Step 1: In an event of theft, report the incident to the police immediately.
Step 2: Inform Axa’s car insurance department.
Step 3: Duly fill the claim form, upload all the documents required and submit it online.
Once you submit the documents, be rest assured that a team of professionals will look into the matter and help you in settling the claim at the earliest.
AXA Car Insurance FAQs
Q.1. Where can I contact to file a claim?
Ans. To file an AXA car insurance claim, you can call on the company’s customer care number 800 AXA (292). One of the company’s customer service representatives will guide you with the claim filing procedure.
Q.2 Is off-road coverage offered in AXA motor insurance?
Ans. Yes, off-road coverage is provided at a reasonable cost.
Q.3. What exactly is offered in an AXA comprehensive car insurance policy?
Ans. AXA comprehensive car insurance offers coverage against losses, damages, and third-party liabilities. Let’s have a detailed look at these covers:
Damages: Losses or damages caused to the vehicle due to accidental collision, overturning, theft, self-ignition, fire, a malicious act or external explosion are covered under this auto insurance policy.
Legal liability: It covers the legal liability and costs against third-party damage/bodily injury or property damage caused by the policyholder’s vehicle.
Q.4. My car is 10 years old. Can I opt for AXA comprehensive car insurance coverage for my car?
Ans. Yes, AXA comprehensive insurance coverage can be availed of for cars up to 15 years old.
Q.5. Can I buy and renew my AXA vehicle insurance policy online?
Ans. Yes, you can buy and renew AXA online insurance easily through the company’s official website or through a web aggregator.
