AXA vs Direct Line
Compare car insurance features, coverage, and pricing between AXA and Direct Lineto find the best protection for your vehicle.
Company Information Comparison
| Feature | AXA | Direct Line |
|---|---|---|
| Established | 1817 | 1985 |
| Underwriter | AXA Insurance UK plc | U K Insurance Limited |
| Market Position | Premium | Premium |
| Customer Service Hours | 24/7 | Mon-Fri: 8am-9pm, Sat: 9am-5pm, Sun: 10am-5pm |
| Claims Satisfaction | 3.9 | 4.5 |
| Financial Strength | AA- | A |
| Mobile App Rating | 3.7 | 3.8 |
Policy Features Comparison
| Feature | AXA | Direct Line |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 9 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 2 years | Up to 1 year |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£295.00
AXA
£300.00
Direct Line
Maximum Cover
£5,000,000
AXA
£5,000,000
Direct Line
Total Policies
3
AXA
3
Direct Line
Comprehensive Cover
Full Coverage
AXA
Full Coverage
Direct Line
Premium Analysis
Features Comparison
Policy Type Distribution
AXA
Comprehensive
1
Third Party Fire & Theft
1
Direct Line
Comprehensive
1
Third Party Fire & Theft
1
Making Your Decision
When comparing AXA and Direct Line, consider how each provider's strengths align with your specific vehicle and driving needs. AXA's average premium of £398.33compared to Direct Line's £400.00 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.