I have completed a claim in April 2015 which took them 5 ( !!!) months to complete !! On Sept 2,2015 after many emails I sent to them they confirmed the case and promised to wire the money ( 688 pounds /1040 USD) within the next 10 working days. On Sept 21 still nothing arrived -I called the customer service AGAIN and they told me that they don't know what is going on and that financial department will get back to be within NEXT COUPLE OF WEEKS!!!! What a FRAUD! If you don't want to spend hours on the phone , and wait for your money forever- please avoid AXA insurance! Also, please note that customer service center located somewhere in India so sometimes you can't clearly understand them and most of the cases they reply to your emails 1 week after with NO ANSWERS!!