[Is AXA Car Insurance Good?] Car Insurance 2026 Review |Coverage and Features Comparison
Author:
Kwiksure Team
Created On:
2026-04-01
Edited On:
2026-04-01
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Each insurance company offers different types of car insurance coverage — so which one should you choose? Kwiksure takes you through a detailed look at AXA’s 2026 car insurance plans, analyzing their coverage, pricing, and the pros and cons of AXA car insurance to help you find the most suitable policy.
AXA Auto Insurance Introduction
AXA is a member of the AXA Group. Founded in the early 19th century, with over 92 million customers in 52 markets, it provides comprehensive protection and services in life, health, and general insurance. Products include iMotor car insurance, Travel insurance, Savings Insurance, domestic helper, and Home insurance, etc.
AXA iMotor Auto Insurance offers discounts frequently, and authorized repair services are available. Choosing AXA Premium Workshops for your insured vehicle provides additional coverage. Real-time online quotes and mobile applications are also supported to manage insurance policies and claims.
AXA Third-Party Liability Insurance Plan
AXA’s iMotor Third-party liability insurance plans cover the death or bodily injury of a third party caused by an accident, as well as losses to other people's property, but do not include damage to the insured's own vehicle or medical expenses.
|
AXA iMotor Automotive Three-Warranty Coverage |
|
|
The third party dies or is injured. |
HK$100 million |
|
Third-party property loss |
HK$2 million |
AXA Comprehensive Auto Insurance Plan
AXA’s iMotor Comprehensive Insurance provides compensation for personal accidents and the insured's own vehicle, as well as windshield protection. If you choose to have your insured vehicle repaired by an AXA Premium Workshop, you can also receive additional benefits such as transportation allowance, priority repair service, free cleaning and parts repair and maintenance.
AXA Auto Insurance Comprehensive No-Claim Discount (NCD)
AXA's comprehensive auto insurance policy's "NCD Protection" provides a safety net. As long as the claims within a year do not exceed HK$60,000 or 20% of the insured amount, the original No Claim Discount (NCD) can be retained.
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Comparison of general car insurance and AXA comprehensive insurance with no-claim discount coverage (private car) |
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|
No-claim period |
Typical car insurance discount levels |
AXA Comprehensive Insurance |
|
Less than a year |
0% |
0% |
|
One year |
20% |
20% |
|
Two consecutive years |
30% |
30% |
|
Three consecutive years |
40% |
40% |
|
Four consecutive years |
50% |
50% |
|
Five consecutive years or more |
60% |
60% |
|
No-claim discount protection |
HK$50,000 to HK$60,000 per year |
HK$60,000 per year or 20% of the insured amount |
*Applicable only to designated service providers
AXA Auto Insurance Coverage and Coverage Amount
|
Third-party Insurance |
Comprehensive Insurance |
|
|
Third-party liability |
||
|
The third party dies or is injured. |
HK$100 million |
HK$100 million |
|
Third-party property loss |
HK$2 million |
HK$2 million |
|
Serve |
||
|
24-hour emergency roadside assistance |
✕ |
✓ |
|
24-hour free towing service |
✕ |
✓ (Maximum $2,000) |
|
Insured's own and vehicle accidents |
||
|
Damage to one's own car |
✕ |
Reasonable market value at the time of loss/damage |
|
Personal accident |
✕ |
HK$100,000 |
|
Medical expense reimbursement |
✕ |
✓ (Maximum $4,000) |
|
Windshield protection |
✕ |
HK$5,000 |
|
Additional protection for electric vehicles |
||
|
Charging station damage protection |
✕ |
✓ |
|
Extended Liability Coverage for Electric Vehicle Chargers |
✕ |
HK$2 million |
|
repair |
||
|
Trade-in guarantee |
✕ |
✓ (The insured vehicle must be registered in the calendar year following its year of manufacture, and the loss must occur within the first 12 months of the insured vehicle's manufacture.) |
|
Zero-depreciation parts repair |
✕ |
✓ |
|
Other protections |
||
|
No-claim discount protection |
✕ |
✓ |
|
Claim recovery services |
✕ |
✓ |
|
Temporary replacement vehicle |
✕ |
✓ (1,000 per day, maximum $4,000) |
Comparison of AXA's Triple Coverage and Comprehensive Coverage Premiums
Example 1: Seven-seater gasoline car
For example, a 35-year-old driver with a 6-year driving history, 60% NCD, and a 2023 Toyota Sienta (insured amount of HKD 250,000).
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,029 |
$3,831 |
|
|
$2,062 |
$5,091 |
|
|
$1,527 |
$3,977 |
|
|
$1,851 |
$4,776 |
|
|
$1,700 |
$5,210 |
|
|
$2,336 |
$5,205 |
*The above prices are for reference only as of March 30, 2026. All information is subject to the announcements of the relevant insurance companies.
Example 2: Electric vehicle
For example, a driver who is 50 years old, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured amount of HKD 300,000) in 2023.
|
Insurance Company |
Third-party Insurance |
Comprehensive Insurance |
|
$2,887 |
$4,176 |
|
|
$2,062 |
$4,583 |
|
|
$5,470 |
$4,890 |
|
|
$1,851 |
$5,006 |
|
|
$1,700 |
$4,680 |
|
|
$2,092 |
$4,455 |
*The above prices are for reference only as of March 30, 2026. All information is subject to the announcements of the relevant insurance companies.
With over 25 years of professional experience, Kwiksure compares Insurance Plans from over 60 insurance companies to offer ultra-low premiums for comprehensive and third-party insurance coverage.
Comparison of AXA Auto Insurance Coverage
Comprehensive auto insurance
|
Insurance Company |
Self-insurance for vehicle damage |
No-claim discount protection |
Medical expense reimbursement |
Car rental/charter guarantee |
Automotive glass |
Lost car keys |
|
✓ |
$60,000 or 20% of the insured amount |
$4,000 |
$4,000 per accident or per coverage period (maximum $1,000 per day) |
Windshield ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
$2,000 |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident). |
Windshield ($5,000) |
✕ |
|
|
✓ |
$100,000 |
$10,000 |
$1,000 per day, maximum 5 days |
Windshield/Window ($5,000) |
✕ |
|
|
✓ |
$60,000 or 15% of the insured amount |
✓ |
Free shuttle service provided |
All car windows ($3,000) |
$10,000 |
|
|
✓ |
$60,000 or 15% of the insured amount |
✕ |
80% of the rent (maximum coverage of $1,000 per day, maximum coverage of $5,000 per incident) |
Windshield/Sunroof ($5,000) |
✕ |
|
|
✓ |
$50,000 or 15% of the insured amount |
$2,000 |
$500/day |
Windshield (no change required) |
$2,000 |
*All information is subject to the announcements of the relevant insurance companies.
Third-party liability insurance for automobiles (three-insurance)
|
Insurance Company |
The third party dies or is injured. |
Third-party property loss |
24-hour emergency roadside assistance |
24-hour free towing |
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
✓ |
Up to $2,000 |
|
|
$100 million |
$2 million |
Up to $2,000 |
Up to $2,000 |
|
|
$100 million |
$2 million |
✕ |
✕ |
|
|
$100 million |
$2 million |
Free referral |
Free referral |
Advantages and disadvantages of AXA auto insurance
Advantages
- By choosing an authorized repair shop to repair your insured vehicle, you can receive additional benefits, such as transportation allowance, priority repair service, free cleaning, and parts repair and maintenance.
- The no-claims discount coverage is HK$60,000 per year or 20% of the insured amount, which is slightly higher than the HK$50,000 to HK$60,000 per year or 15% of the insured amount for most insurance plans on the market.
- Supports online instant quotes and insurance applications; Processing claims through the mobile application is simple and user-friendly.
shortcomings
- The 24-hour hotline for third-party liability insurance is for informational purposes only and does not include 24-hour emergency roadside assistance or free towing service.
- The compensation limit for the free replacement vehicle service per incident is low, with a maximum of $1,000 per day and a cap of $4,000.
- If a vehicle owner chooses to have their vehicle repaired by the original manufacturer or a familiar repair shop instead of an AXA authorized repairman, they may not be able to enjoy the free additional coverage.
More AXA Auto Insurance information
AXA Car insurance website provides Real-time quotes for insurance plans. You can purchase insurance directly online. It also provides information on various life, medical, investment, and general insurance products, as well as the latest promotional activities. Insured individuals can process Insurance claims through Emma by AXA Mobile Apps.
Other AXA Insurance
Apart from iMotor car insurance, AXA Insurance also provides HZMB, VHIS, Savings and Investment, Home and Travel insurance for purchase.
AXA Auto Insurance FAQs
How can I contact AXA Auto Insurance?
To contact AXA Auto Insurance, please call (852) 2523 3061 during office hours, or leave your contact information in AXA official website.
How do I file a claim with AXA Auto Insurance?
The insured can download the Emma by AXA mobile application and upload the claim form and all supporting documents to make an online claim. AXA will then begin the review and assessment process and initiate the claims procedure upon receiving the application.
Does AXA offer insurance for Hong Kong vehicles traveling north to mainland China?
Yes, AXA Auto Insurance provides HZMB Hong Kong Cross Border Motor Vehicle Insurance. You can get insurance even if you don't have any AXA Hong Kong auto insurance policy.
How can I find out the latest offers on AXA auto insurance?
To find out the latest AXA auto insurance offers, besides going to AXA official website for the latest information, you can also contact Kwiksure, which provides you with the latest car insurance deals and compares premiums from over 60 insurance companies.
What is AXA Premium Workshops?
AXA Premium Workshops is a selection of independent auto repair shops chosen by AXA. By using an authorized repair shop to repair your insured vehicle, you will receive additional benefits such as transportation allowance, priority repair service, free cleaning and parts repair and maintenance.
