AXA Motor Insurance - Good or not?

[Ika_tomas]

Latest update from the so called "premier workshop" AXA has is that the car will only be ready middle of next week.

 

Wtf. For a simple repair that any half assed workshop can fix in a day or two they need more than two weeks to repair.

 

Wtf.

[Michellepon]

I bought AXA and it is terrble. I never get my policy from AXA. Now my car get to accident and I call and send email. But the Axa Insurance only will pass the phone call from one department to other department and I can’t get any reply from them until now. Even I drop many emails and asking the status of my claim also can’t get any reply.

The worst case now is the workshop told me axa only Will paid max $6k and I need to TOP up another $7k for repairing my car even I bought “comprehensive” , which is 1st party insurance. So, workshop and axa advise me to scrap my car due to my repair cost is high.

Anyone can advise on this issue?

[DACH]

I bought AXA and it is terrble. I never get my policy from AXA. Now my car get to accident and I call and send email. But the Axa Insurance only will pass the phone call from one department to other department and I can’t get any reply from them until now. Even I drop many emails and asking the status of my claim also can’t get any reply.

The worst case now is the workshop told me axa only Will paid max $6k and I need to TOP up another $7k for repairing my car even I bought “comprehensive” , which is 1st party insurance. So, workshop and axa advise me to scrap my car due to my repair cost is high.

Anyone can advise on this issue?

Maybe you should directly go to their office to negotiate. 

Should not let them get away with their bo chap behavior. 

 

Before that, read the policy first in case there is some conditions that you might have miss out or misinterpret in the past.  

[Michellepon]

Maybe you should directly go to their office to negotiate. 

Should not let them get away with their bo chap behavior. 

 

Before that, read the policy first in case there is some conditions that you might have miss out or misinterpret in the past.  

 

The worst thing is I never receive any policy from AXA. They just provide me a receipt and 3 pages information.

When the time I bought this car, the sales person told us if we buy the 1st party insurance, AXA will bear all the cost for repairing.

If there is "max" cost paid by insurance company when accident happen then what for I buy the car insurance.

[DACH]

The worst thing is I never receive any policy from AXA. They just provide me a receipt and 3 pages information.

When the time I bought this car, the sales person told us if we buy the 1st party insurance, AXA will bear all the cost for repairing.

If there is "max" cost paid by insurance company when accident happen then what for I buy the car insurance.

 

I think it is important that you get the hard copy of the policy, every time you renew a policy. 

Suggest that you better talk to them and also get the hard copy of the policy.

Without that policy in your hands, they can say what they can.

[inlinesix]

The worst thing is I never receive any policy from AXA. They just provide me a receipt and 3 pages information.

When the time I bought this car, the sales person told us if we buy the 1st party insurance, AXA will bear all the cost for repairing.

If there is "max" cost paid by insurance company when accident happen then what for I buy the car insurance.

 

1st of all, who's the driver?  What's the excess for the this driver?

 

What's the breakdown of this 13k repair cost?

 

How much repair cost does AXA assessor agrees to?

 

You are naive to believe sales person to tell you that insurer will bear all cost of repair.  In most policies, there will be an excess amount to be borne by insured.

[Freemen]

I bought AXA and it is terrble. I never get my policy from AXA. Now my car get to accident and I call and send email. But the Axa Insurance only will pass the phone call from one department to other department and I can’t get any reply from them until now. Even I drop many emails and asking the status of my claim also can’t get any reply.

The worst case now is the workshop told me axa only Will paid max $6k and I need to TOP up another $7k for repairing my car even I bought “comprehensive” , which is 1st party insurance. So, workshop and axa advise me to scrap my car due to my repair cost is high.

Anyone can advise on this issue?

 

Before I jump the gun, I would like to know what type of policy did you buy ( based the the paper that they issue to you ) & how old is your car.

 

So far, the various insurance company will mail me a copy of the policy, that is in addition to the single paper my SE hand to me when i took over a used car. Main points to look out for is the area of coverage that you are comfortable with, because more coverage = higher premium.

 

Another point to take note, is the workshop the authorize by AXA. 

Edited March 17, 2018 by Freemen

[Freemen]

 

If there is "max" cost paid by insurance company when accident happen then what for I buy the car insurance.

 

That statement from you shows how naive you are and in my own opinion not mature enough to own a car. 

 

We buy the car insurance because it is a garmen requirement. The main reason garmen require it is so that there is some compensation to other party due your car accidents, knowing not many people can pay. 

[sbliew]

The worst thing is I never receive any policy from AXA. They just provide me a receipt and 3 pages information.

When the time I bought this car, the sales person told us if we buy the 1st party insurance, AXA will bear all the cost for repairing.

If there is "max" cost paid by insurance company when accident happen then what for I buy the car insurance.

These days, you should be able to download the policy wording/ terms conditions online. What is important at the point of purchase is to receive the document showing excess/ inclusions/ exclusions. Believe this is in the 3 pages of information.

[inlinesix]

That statement from you shows how naive you are and in my own opinion not mature enough to own a car.

 

We buy the car insurance because it is a garmen requirement. The main reason garmen require it is so that there is some compensation to other party due your car accidents, knowing not many people can pay.

Legal requirement => 3rd party liability only

[Michellepon]

1st of all, who's the driver?  What's the excess for the this driver?

 

What's the breakdown of this 13k repair cost?

 

How much repair cost does AXA assessor agrees to?

 

You are naive to believe sales person to tell you that insurer will bear all cost of repair.  In most policies, there will be an excess amount to be borne by insured.

 

The driver is not me so i agreed to paid the excess cost.

 

The thing is 13k do not have any breakdown, so i will go AXA to get it as i call many times and drop email, AXA also do not give me any reply.

 

I will arrange the time to go AXA. Thanks for your advise.

That statement from you shows how naive you are and in my own opinion not mature enough to own a car. 

 

We buy the car insurance because it is a garmen requirement. The main reason garmen require it is so that there is some compensation to other party due your car accidents, knowing not many people can pay. 

 

The statement is you can't advise anything.

 

You own a car not meant that you are mature.

[Michellepon]

These days, you should be able to download the policy wording/ terms conditions online. What is important at the point of purchase is to receive the document showing excess/ inclusions/ exclusions. Believe this is in the 3 pages of information.

 

 

yes, i have downloaded the e-policy and this is confusing.

 

Some statement is mentioned full paid and some is mentioned some limit cost.

 

So better have a check with AXA.

 

But i really can tell that AXA is not efficiency as i never receive any call since 10 days accident.  

[Freemen]

The driver is not me so i agreed to paid the excess cost.

 

The thing is 13k do not have any breakdown, so i will go AXA to get it as i call many times and drop email, AXA also do not give me any reply.

 

I will arrange the time to go AXA. Thanks for your advise.

 

The statement is you can't advise anything.

 

You own a car not meant that you are mature.

 

How do advise you when the information you gave is limited. Earlier I ask what policy did you buy & how old is your car, you have not furnish that. 

 

Trying to claim insurance, whether car, medical, life etc is always a hassle. What is promise to you come to null without any written contract. All the little fine print you did not read will be used against you in a contract too.

 

As your situation is so unclear, the unbiased advise i can give you is to personally go down AXA & speak of a staff there. They cant pass the buck as you are there. Take down notes to see what option you have.

 

 

Things to prep yourself before going

 

- What policy did you sign up, ( bring what documents you have, also have the Policy number )

 

- The term & condition regarding driver. You mention you are not the driver, is the person involved named in policy, what his age & how long has he hold his licence )

 

- What is the damage breakdown from the repair ( why did AXA dispute the amount ) 

a) is the workshop from AXA list of authorize

b) AXA wanting to repair workshop wanting to replace

c) Age of driver & his licence passing duration 

[inlinesix]

7k excess could means that the driver is under 25 and the car is high risk.

[Michellepon]

How do advise you when the information you gave is limited. Earlier I ask what policy did you buy & how old is your car, you have not furnish that.

 

Trying to claim insurance, whether car, medical, life etc is always a hassle. What is promise to you come to null without any written contract. All the little fine print you did not read will be used against you in a contract too.

 

As your situation is so unclear, the unbiased advise i can give you is to personally go down AXA & speak of a staff there. They cant pass the buck as you are there. Take down notes to see what option you have.

 

 

Things to prep yourself before going

 

- What policy did you sign up, ( bring what documents you have, also have the Policy number )

 

- The term & condition regarding driver. You mention you are not the driver, is the person involved named in policy, what his age & how long has he hold his licence )

 

- What is the damage breakdown from the repair ( why did AXA dispute the amount )

a) is the workshop from AXA list of authorize

b) AXA wanting to repair workshop wanting to replace

c) Age of driver & his licence passing duration

the policy I bought is under comprehensive and my car still have 4.5 years. The driver is not me and I agreed to paid excess cost but not repairing cost.

 

Today I go down the axa and still can’t get the answer.

 

The 1st at all , axa won’t give u hardcopy of policy and they will give u a link via email after u make the payment. That is the reason I never get my hardcopy or policy.

 

The 2nd thing i ask them about my policy whether cover all the repair cost and damage, then the staff just reply me that she not so sure as She can’t check my full policy even I pass them my policy number.

 

The 3rd question I ask them what is the status of my claim as I call and email ur company also no reply until now. The staff just Reply that the person in charge is not around and she just know my claim is in the progress.

 

The 4th question I ask them is I need the GIA report as the report is done their surveyor and AXA authorised workshop and I need to see the breakdown. The staff just reply that she will help me pass the message to claim department.

 

I told them I on leave today still can’t get anything?

 

The staff say u just wait the person give u a call later. But until now I still haven’t get any call.

[Galantspeedz]

i think i know what is happening, insurer has deemed the car to be total loss, i.e repair cost more than value of car...

 

so if insured insist to repair, they will pay up to the max value of the car and insured have to top up the rest

 

go read policy again

[Michellepon]

7k excess could means that the driver is under 25 and the car is high risk.

The driver bit under age. Just only based on their calculation , they only will paid max 6k for our repairing. Until today I not sure what kind calculation they use. Something like total market value of car minus ..

i think i know what is happening, insurer has deemed the car to be total loss, i.e repair cost more than value of car...

 

so if insured insist to repair, they will pay up to the max value of the car and insured have to top up the rest

 

go read policy again

U r right. This is what they said .. but we can’t acceptable as the car is nothing crash. Only under car crash and water pump need to change. The engine is nice and all the things are fine.

[inlinesix]

The driver bit under age. Just only based on their calculation , they only will paid max 6k for our repairing. Until today I not sure what kind calculation they use. Something like total market value of car minus ..

 

Just look at your policy schedule.

 

Young = under 25.

 

Regardless how the calculation is done, 7k is sticking around.

 

It means that you are not driving B&B car.