No service. No help. No contact. After years of being Axa customer when my husband had an accident his claim wasnt processed. We struggled to contact anyone - tried phone ( hours on hold), email, facebook. Once managed to get to someone, they kept saying they will contact us about repair and courtesy car next day and they never did. So had to start again. Waited 2 weeks for courtesy car considering my husband needs a car to commute as workplace unaccessible otherwise. I was days before labour and needed a car in emergency. Do not use them as you will not get help when needed even if it saves you few pannies. We will never use Axa insurance again.