Had a accident two years ago which I am still trying to sort out. Axa are the underwriter for my Insurance company and there customer service is the worse is have ever dealt with. When you get through on the phone they give you the impression they are going to help you, doesn't happen. I have a list as long as my arm with the names of the people I have dealt with on the phone, never the same one, and they always claim will phone back with an up date, never happens. In the two years I have received one letter from them. They don't seem to want to listen to what you say. What is hard to understand in the phrase "I am taken no fault for the accident" Worst company I have ever dealt with.