Simply the most awful, soul destroying, outright painful experience I have ever had the displeasure of enduring. Shockingly terrible service, hidden charges left right and center and a policy agreement I wish I had never ventured into. I cannot stress enough how you SHOULD NOT GO WITH AXA! I am begging you, for your own sanity. When I was injured in a non fault car accident because someone went into the back of me - AXA were nothing short of useless. I called, claimed, car was collected by a tow service AXA sent to me - so far, fine. 3 days later, my car is AWOL.. I call AXA RELENTLESSLY - they have NO idea where my car is. They insist someone is coming to my home address to value the car to determine if it's a write off, but the car wasn't at my house, they had it towed and it hadn't arrived at the garage I was TOLD it would arrive at, and they are none the wiser as to where it is. After hours and DAYS of my time wasted tracking it down, I am told it's written off. Now the single most infuriating thing with this experience? The utterly ridiculous holding process. Each time myself or my mum rang (we did this so we could call at all different times of day) we were kept on hold for exactly 20 minutes each time before someone answered (with the same ONE song on loop, which is enough to send the most calm person INSANE). When we confronted them with this and that it is clear they are watching our call sit there for 20 minutes before answering, they had no response, and didn't even try to defend themselves. This is just one of the awful experiences I have had during my policy with AXA, but all center around genuinely TERRIBLE service, like so bad my mind honestly boggles. My claim above had about 6 different people dealing with it - Sue rang me after I had been told by Sam to e-mail Bill, then Bill called me because of my phone call with Sally, who called me before Sue did, but Sally didn't update Sue, so Bob rang me instead. Sound ridiculous? Yes, well this is an unbelievably accurate account of my experience with AXA. If you want to have endless unanswered e-mails and to be sent crazy listening to the same hold song for 20 minutes each time you try and call, then AXA are the ones for you!