AXA home insurance in 60 seconds
AXA Home Insurance at a glance (2026)
Could you save by switching?AXA Home Plus is one of the most generous Defaqto 5-star products on the UK market, but it is rarely the cheapest. See our independent guide to UK insurance providers for a side-by-side comparison.
AXA home insurance cover and tiers in 2026
AXA home insurance is a direct insurer product, underwritten in-house by AXA Insurance UK plc. The 2026 line-up has three named tiers, all available as buildings only, contents only or combined. The combined policy is normally the cheapest route, and a single excess applies to a single event affecting both buildings and contents.
The AXA home insurance product range
Home Essentials
Streamlined policy covering buildings to £500,000, contents to £50,000 and single-item limits of £1,500. Accidental damage and home emergency are optional add-ons.
- Up to £500,000 buildings cover.
- Contents to £50,000.
- New-for-old contents replacement.
AXA Home
Mid-tier policy with buildings up to £1m, contents up to £75,000 and higher single-item limits. Accidental damage on TV, audio, glass and sanitary fixtures is included.
- Up to £1m buildings cover.
- Contents to £75,000.
- Partial accidental damage included.
AXA Home Plus
Comprehensive policy with full accidental damage as standard, £5,000 single-item limits and home emergency cover. Worldwide personal possessions included up to £5,000.
- Full accidental damage included.
- Single-item limit £5,000.
- Worldwide personal possessions.
Tenants Contents
Contents-only policy for private renters, covering belongings against fire, theft, escape of water and accidental damage. Tenant liability cover up to £10,000 included.
- Contents to £50,000.
- Tenant liability included.
- Optional accidental damage.
Landlord
Buildings and contents for properties let to private tenants. Includes loss of rent up to £20,000 and optional malicious damage by tenants cover.
- Loss of rent up to £20,000.
- Property owners' liability included.
- Optional rent protection & legal cover.
Home Emergency
24/7 emergency response for plumbing, drains, electrics, locks, pests, windows and boilers. Labour and parts up to £1,000 per incident, no per-call charge.
- 24/7 emergency callout.
- Up to £1,000 per incident.
- Boiler breakdown included.
Home Essentials vs Home vs Home Plus
| Feature | Home Essentials | AXA Home | AXA Home Plus |
|---|---|---|---|
| Buildings sum insured | Up to £500,000 | Up to £1m | Up to £1m |
| Contents sum insured | Up to £50,000 | Up to £75,000 | Up to £75,000 |
| Single-item limit (valuables) | £1,500 | £2,500 | £5,000 |
| Alternative accommodation | Up to £25,000 | Up to £50,000 | Up to £100,000 |
| Lock & key replacement | Up to £500 | Up to £1,500 | Up to £2,500 |
| Accidental damage | Optional | Partial (TV, audio, glass) | Included (full) |
| Home emergency | Optional | Optional | Included (boiler covered) |
| Family legal protection | Optional | Optional | Included |
| Worldwide personal possessions | Optional | Up to £3,000 | Up to £5,000 |
| New for old (contents) | Included | Included | Included |
| Defaqto rating (2026) | 3 stars | 4 stars | 5 stars |
Source: AXA policy summaries and IPID documents, May 2026.
Why AXA Home Plus stands outAXA Home Plus is one of only a handful of UK home insurance policies to combine Defaqto 5 stars with full accidental damage and home emergency as standard. If you have children, expensive electronics or older plumbing, the cost difference versus AXA Home usually pays for itself on the first small claim.
AXA home insurance prices in 2026
After two years of double-digit increases, UK home insurance premiums fell 2.5% in Q1 2026 as claims inflation eased, according to the ABI's Home Insurance Premium Tracker. AXA is positioned mid-to-upper market: not the cheapest on basic buildings cover, but very competitive on Home Plus where the included accidental damage and home emergency lift the price-per-feature ratio above most rivals.
| Policy | UK average annual premium | AXA Home Essentials | AXA Home Plus |
|---|---|---|---|
| Combined buildings & contents | £276 | £258 | £312 |
| Buildings only | £152 | £144 | £172 |
| Contents only | £112 | £108 | £134 |
| Tenants contents only | £94 | £88 | n/a |
Source: ABI Home Insurance Premium Tracker Q1 2026 + Selectra quote tests on axa.co.uk (3-bed semi, £200,000 rebuild value, £40,000 contents, May 2026).
Excess: AXA home insurance carries a compulsory excess of £100 on most claims (rising to £1,000 for subsidence and £350 for escape of water). You can choose a voluntary excess from £0 to £500 to lower the premium.
Save up to 12% by paying annuallyAXA charges up to 12% APR on monthly instalments. If you can pay in one lump sum, the saving on a Home Plus policy is typically £30–£50 a year.
MyAXA login for home insurance
The MyAXA account is shared across car, home, travel and (separately) health insurance. From the app or web account you can:
- View, download and email your policy schedule, IPID and key facts at any time.
- See your renewal date and price three weeks before renewal, and switch auto-renewal on or off.
- Add valuables and high-risk items above the standard single-item limit.
- Start and track a claim, including uploading photos, receipts and contractor estimates.
- Update card details and direct debit information without phoning customer service.
Forgotten your password?Reset it via the MyAXA login page using the email address on your policy. The reset link is valid for one hour; if it expires, use the helpdesk number on your policy documents or the axa.co.uk/contact-us page to have it reset.
AXA home insurance cancellation policy
AXA gives you a 14-day cooling-off period from the date you receive your documents (or from when cover starts, if later) to cancel and get most of your money back. After that, you can still cancel but the fees increase.
| Scenario | Refund | Fees |
|---|---|---|
| Cancel within 14 days, cover not yet started | Full premium refunded | No charge |
| Cancel within 14 days, cover has started | Pro-rata refund for unused cover | £30 admin fee |
| Cancel after 14 days, no claim | Pro-rata refund for unused cover | £30 cancellation fee |
| Cancel after a claim | No refund of remaining premium | £30 cancellation fee still applies |
AXA home insurance cancellation fees as published in 2026 IPID documents.
AXA home insurance customer service
AXA does not run a single home insurance switchboard: it routes you to a different team depending on whether you are buying, managing an existing policy, claiming or in an emergency. To make sure you reach the right team on a number that is current, always take it from your own policy documents or AXA's official contact page rather than relying on a number copied from a third-party site.
How to contact AXA about home insurance
- The number on your policy documents: your schedule, renewal notice and welcome pack list the correct line for your specific home policy and claims.
- The official AXA contact page: axa.co.uk/contact-us lists AXA's current home insurance, claims and emergency lines, along with opening hours.
- The MyAXA account: sign in to view documents, make mid-term changes, and start or track a claim online without calling.
- Our on-site summary: see the AXA contact page for an overview of how to reach each AXA team.
We no longer publish individual AXA phone numbers on this page. AXA changes and re-routes its customer lines periodically, so the only reliably accurate sources are your policy documents and AXA's own contact page.
How to claim on AXA home insurance
- Find the AXA home claims line on your policy documents or via axa.co.uk/contact-us, then call it as soon as you can (the home claims line operates 24/7).
- For theft or burglary, call the police first and get a crime reference number; AXA needs it before authorising the claim.
- Take photos and keep receipts or proof of ownership for any damaged or stolen items.
- The agent issues a claim reference and either dispatches an AXA-approved tradesperson or asks you to get up to two estimates.
- For home emergencies (no heating, burst pipe, boiler breakdown, lockout) and family legal advice, use the dedicated numbers shown on your policy schedule, which lists each helpline for your tier.
AXA home insurance head office
AXA Insurance UK plc has its registered office at 20 Gracechurch Street, London EC3V 0BG. For claims and policy correspondence, always use the address printed on your policy schedule rather than the registered office, as AXA handles operational post through dedicated claims addresses.
AXA home insurance reviews and ratings
Customer reviews of AXA home insurance look different on each platform, the same pattern we see across all big UK direct insurers. Industry ratings on Defaqto and Fairer Finance are strong; aggregator review sites are more critical, mainly on renewal pricing and claim documentation requests.
| Platform | Score | Reviews | Main themes |
|---|---|---|---|
| Feefo (home insurance) | 4.5/5 | 15,000+ | Easy quote, polite agents, fast document delivery |
| Trustpilot (AXA UK) | 3.6/5 | 12,000+ | Mixed; criticism focused on claim documentation and renewal prices |
| Fairer Finance home insurance | 3 stars | Industry-led | Solid claims handling, transparency mid-pack |
| Defaqto AXA Home Plus | 5 stars | Features-based | Very high level of standard cover, generous single-item limits |
| Which? Home insurance survey 2025 | 3/5 | Consumer panel | Average on price, strong on claims handling speed |
Ratings collected May 2026 from Feefo, Trustpilot, Fairer Finance, Defaqto and Which?.
What customers like
- Defaqto 5 stars on Home Plus for both buildings and contents, with generous standard limits.
- Full accidental damage included as standard on Home Plus is unusual at this price point.
- Home Emergency includes boiler breakdown on Home Plus, at up to £1,000 per incident.
- MyAXA self-service is well-rated; most mid-term changes complete online without phoning.
Common criticism
- Renewal price hikes after the first year, especially when underlying risk pricing changes.
- Claim documentation requests can feel repetitive on larger contents claims.
- Home Essentials tier is mid-pack on features; the price gap to AXA Home is small enough that most customers should skip Essentials.
Selectra's verdict on AXA home insurance in 2026
Strengths: a 5-star Defaqto product on Home Plus, full accidental damage and home emergency included as standard, new-for-old contents replacement across all tiers and a strong self-service experience via MyAXA.
Weaknesses: assertive renewal pricing, modest cover limits on Home Essentials and a £30 cancellation fee outside the 14-day window. AXA also charges up to 12% APR on monthly instalments, so paying annually is materially cheaper.
If you want one of the most comprehensive policies on the UK market, AXA Home Plus is a Defaqto 5-star benchmark. If you only want basic cover, you will probably find cheaper quotes elsewhere. Run a side-by-side comparison with Direct Line, Aviva and John Lewis Finance before you renew, our UK insurance providers guide has the live rankings.
AXA home insurance FAQ
AXA home insurance is underwritten in-house by AXA Insurance UK plc, the same legal entity that sells AXA car and business insurance. The company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. AXA Insurance UK plc is a wholly-owned subsidiary of the AXA Group, the French multinational listed on Euronext Paris.
Yes. All three AXA home insurance tiers cover damage caused by storms and floods. Buildings and contents are covered up to the sums insured on your policy schedule. As with most UK insurers, AXA places certain flood claims through the Flood Re reinsurance scheme so high-risk postcodes remain insurable at affordable prices.
Yes on Home Plus, optional on the other tiers. AXA Home Plus includes home emergency with boiler breakdown as standard, with up to £1,000 per incident. On AXA Home Essentials and AXA Home, you can add Home Emergency as a paid add-on for around £55–£75 a year.
New-for-old means that when you make a successful claim for stolen or damaged contents, AXA pays the cost of buying an equivalent new item rather than depreciating its value over time. The exception is clothing, linen and pedal cycles, which are settled on an indemnity (depreciated) basis. New-for-old is included as standard on every AXA home insurance tier.
Call AXA customer service on the number shown on your policy documents (or listed at axa.co.uk/contact-us) and ask to cancel. Within the 14-day cooling-off period AXA refunds the premium minus a small admin fee. After 14 days, expect a pro-rata refund minus a £30 cancellation fee. You can also start the cancellation from MyAXA and an agent will call you back.
Almost certainly. Even small home claims are noted on the Claims and Underwriting Exchange (CUE) database for five years and will push the next premium up by 10–25%, depending on the cause. For minor escape-of-water or accidental-damage claims under £500, weigh up whether to claim at all, sometimes paying the repair out of pocket protects your no-claim discount.