AXA were cheap especially with Top Cashback. That's where the positives end. My car was stolen but it took 2 weeks for an initial call to the claims assessor who they sub contract out. Vehicle was subsequently recovered but then another 2 weeks to assessor damage. During this time they have managed to lose the spare which I sent to them and also marked my car as sold to DVLA even though it is being repaired. Some if the staff who work there are clearly helpful and knowledgeable. As with most of these big companies, turnover is high and morale is low and it often shows in the call response times and quality of service