AXA

Covers loss of or damage to your car and its accessories while in your car, up to the market value of your car. Applies under comprehensive cover or third party fire and theft cover where damage is caused by fire or theft. AXA will repair, replace or pay the cost of loss or damage. Market value is defined as the cost of replacing your car with another of the same make, model, age and similar mileage at the time of loss.

If your car is written off, AXA will settle the claim by replacing your car or paying the market value before damage. The car becomes AXA's property. A new car replacement is available if the car is stolen and not recovered within 28 days, or if repairs cost more than 60% of the manufacturer's retail list price, provided the car is less than one year old and you are the first owner.

Covers repair or replacement of parts lost or damaged in an accident up to market value. AXA may use non-manufacturer parts of similar standard and may repair with recycled parts where appropriate. If lost or damaged parts are unavailable, AXA will pay the equivalent manufacturer's latest price guide cost plus reasonable fitting costs.

Covers loss of or damage to the car caused by theft or attempted theft. If the car is stolen and not found, or is found but not worth repairing, AXA pays the market value including accessories and spare parts. Accessories and spare parts in a private garage are also covered. Exclusion: no cover if keys or keyless entry system are left unsecured or in/on an unattended car, or if the car was taken by a family or household member.

Covers the cost of replacing or repairing broken or damaged glass in the windscreen or windows of the car, and scratches to bodywork caused by the glass breaking. If AXA's approved repairer is used, cover is unlimited. If the policyholder uses their own repairer, cover is limited to €400 (or €50 for a repair). A claim under this section does not affect the no-claims discount. Sunroofs, panoramic glass roofs, and mirror glass are excluded in the January 2025 wording. An excess applies if glass is replaced (no excess if repaired).

Loss or damage caused by fire, lightning or explosion is covered under both comprehensive and third party fire and theft policies. No excess applies to fire claims and fire claims do not affect the no-claims discount.

The Motor Rescue section explicitly covers theft, attempted theft or malicious damage as a triggering event. Under Section 1 (comprehensive cover), loss or damage to the car by accidental means is covered broadly; malicious damage (as distinct from theft) is covered under comprehensive. The IPID confirms loss or damage as a result of an accident, theft, attempted theft, fire, lightning or explosion up to market value.

24-hour roadside and driveway assistance in Ireland and the UK (excluding islands off the coast) covering electrical or mechanical breakdown, failure to start, accident, fire, theft, attempted theft, malicious damage, punctures, lost or stolen keys, keys locked in car, and running out of fuel or flat battery. For EVs, energy failure due to insufficient battery charge is also covered. AXA will send a repairer and provide up to one hour's labour at the scene. Towing to nearest repairer or charge point, accommodation (up to €50 per person / €200 total per January 2025 wording), or hire vehicle for up to 48 hours, or onward transport can be arranged. A claim under this section does not affect the no-claims discount. Must call 0818 7 365 24 first.

If the car is being repaired by an AXA Approved Repairer after an accident, AXA will provide a replacement car (usually an economy class 1-litre car) for up to 7 days under Section 1, or up to 35 days under Section 9 Extra Benefits. Alternatively AXA may pay up to €22 per day (including VAT) towards hiring a car, for up to 35 days. Not provided for windscreen claims, total loss, or accidents outside the Republic of Ireland. If the policyholder chooses not to use an AXA Approved Repairer, only a temporary replacement car is provided for the duration of repairs agreed by the AXA engineer.