Every insurance coverage firm affords several types of automobile insurance coverage protection — so which one must you select? Kwiksure takes you thru an in depth have a look at AXA’s 2026 automobile insurance policy, analyzing their protection, pricing, and the professionals and cons of AXA automobile insurance coverage that can assist you discover essentially the most appropriate coverage.
AXA Auto Insurance coverage Introduction
AXA is a member of the AXA Group. Based within the early nineteenth century, with over 92 million clients in 52 markets, it offers complete safety and providers in life, well being, and common insurance coverage. Merchandise embody iMotor automobile insurance coverage, Journey insurance coverage, Financial savings Insurance coverage, home helper, and Dwelling insurance coverage, and so forth.
AXA iMotor Auto Insurance coverage affords reductions often, and approved restore providers can be found. Selecting AXA Premium Workshops in your insured automobile offers further protection. Actual-time on-line quotes and cell purposes are additionally supported to handle insurance coverage insurance policies and claims.
AXA Third-Celebration Legal responsibility Insurance coverage Plan
AXA’s iMotor Third-party legal responsibility insurance policy cowl the dying or bodily damage of a 3rd celebration attributable to an accident, in addition to losses to different folks’s property, however don’t embody harm to the insured’s personal automobile or medical bills.
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AXA iMotor Automotive Three-Guarantee Protection
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The third celebration dies or is injured.
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HK$100 million
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Third-party property loss
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HK$2 million
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AXA Complete Auto Insurance coverage Plan
AXA’s iMotor Complete Insurance coverage offers compensation for private accidents and the insured’s personal automobile, in addition to windshield safety. In case you select to have your insured automobile repaired by an AXA Premium Workshop, you can even obtain further advantages corresponding to transportation allowance, precedence restore service, free cleansing and elements restore and upkeep.
AXA Auto Insurance coverage Complete No-Declare Low cost (NCD)
AXA’s complete auto insurance coverage coverage’s “NCD Safety” offers a security web. So long as the claims inside a yr don’t exceed HK$60,000 or 20% of the insured quantity, the unique No Declare Low cost (NCD) could be retained.
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Comparability of common automobile insurance coverage and AXA complete insurance coverage with no-claim low cost protection (non-public automobile)
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No-claim interval
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Typical automobile insurance coverage low cost ranges
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AXA Complete Insurance coverage
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Lower than a yr
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0%
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0%
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One yr
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20%
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20%
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Two consecutive years
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30%
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30%
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Three consecutive years
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40%
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40%
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4 consecutive years
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50%
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50%
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5 consecutive years or extra
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60%
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60%
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No-claim low cost safety
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HK$50,000 to HK$60,000 per yr
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HK$60,000 per yr or 20% of the insured quantity
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*Relevant solely to designated service suppliers
AXA Auto Insurance coverage Protection and Protection Quantity
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Third-party Insurance coverage
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Complete Insurance coverage
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Third-party legal responsibility
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The third celebration dies or is injured.
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HK$100 million
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HK$100 million
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Third-party property loss
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HK$2 million
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HK$2 million
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Serve
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24-hour emergency roadside help
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✕
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✓
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24-hour free towing service
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✕
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✓ (Most $2,000)
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Insured’s personal and automobile accidents
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Injury to 1’s personal automobile
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✕
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Cheap market worth on the time of loss/harm
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Private accident
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✕
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HK$100,000
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Medical expense reimbursement
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✕
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✓ (Most $4,000)
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Windshield safety
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✕
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HK$5,000
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Further safety for electrical autos
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Charging station harm safety
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✕
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✓
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Prolonged Legal responsibility Protection for Electrical Car Chargers
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✕
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HK$2 million
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restore
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Commerce-in assure
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✕
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✓ (The insured automobile have to be registered within the calendar yr following its yr of manufacture, and the loss should happen throughout the first 12 months of the insured automobile’s manufacture.)
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Zero-depreciation elements restore
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✕
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✓
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Different protections
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No-claim low cost safety
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✕
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✓
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Declare restoration providers
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✕
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✓
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Short-term alternative automobile
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✕
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✓ (1,000 per day, most $4,000)
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Comparability of AXA’s Triple Protection and Complete Protection Premiums
Instance 1: Seven-seater gasoline automobile
For instance, a 35-year-old driver with a 6-year driving historical past, 60% NCD, and a 2023 Toyota Sienta (insured quantity of HKD 250,000).
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Insurance coverage Firm
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Third-party Insurance coverage
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Complete Insurance coverage
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$2,029
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$3,831
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$2,062
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$5,091
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Allianz Auto Insurance coverage
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$1,527
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$3,977
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Ping An Insurance coverage (Hong Kong)
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$1,851
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$4,776
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Dah Sing Financial institution
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$1,700
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$5,210
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$2,336
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$5,205
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*The above costs are for reference solely as of March 30, 2026. All data is topic to the bulletins of the related insurance coverage corporations.
Instance 2: Electrical automobile
For instance, a driver who’s 50 years outdated, has a 10-year driving license, 60% NCD, and has a BYD Seal (insured quantity of HKD 300,000) in 2023.
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Insurance coverage Firm
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Third-party Insurance coverage
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Complete Insurance coverage
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$2,887
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$4,176
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$2,062
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$4,583
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Allianz Auto Insurance coverage
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$5,470
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$4,890
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Ping An Insurance coverage (Hong Kong)
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$1,851
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$5,006
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Dah Sing Financial institution
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$1,700
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$4,680
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$2,092
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$4,455
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*The above costs are for reference solely as of March 30, 2026. All data is topic to the bulletins of the related insurance coverage corporations.
With over 25 years {of professional} expertise, Kwiksure compares Insurance coverage Plans from over 60 insurance coverage corporations to supply ultra-low premiums for complete and third-party insurance coverage protection.
Comparability of AXA Auto Insurance coverage Protection
Complete auto insurance coverage
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Insurance coverage Firm
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Self-insurance for automobile harm
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No-claim low cost safety
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Medical expense reimbursement
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Automotive rental/constitution assure
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Automotive glass
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Misplaced automobile keys
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✓
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$60,000 or 20% of the insured quantity
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$4,000
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$4,000 per accident or per protection interval (most $1,000 per day)
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Windshield ($5,000)
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✕
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✓
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$60,000 or 15% of the insured quantity
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$2,000
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80% of the lease (most protection of $1,000 per day, most protection of $5,000 per incident).
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Windshield ($5,000)
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✕
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Allianz Auto Insurance coverage
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✓
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$100,000
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$10,000
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$1,000 per day, most 5 days
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Windshield/Window ($5,000)
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✕
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Ping An Insurance coverage (Hong Kong)
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✓
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$60,000 or 15% of the insured quantity
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✓
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Free shuttle service offered
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All automobile home windows ($3,000)
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$10,000
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Dah Sing Financial institution
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✓
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$60,000 or 15% of the insured quantity
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✕
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80% of the lease (most protection of $1,000 per day, most protection of $5,000 per incident)
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Windshield/Sunroof ($5,000)
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✕
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✓
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$50,000 or 15% of the insured quantity
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$2,000
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$500/day
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Windshield (no change required)
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$2,000
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*All data is topic to the bulletins of the related insurance coverage corporations.
Third-party legal responsibility insurance coverage for vehicles (three-insurance)
Benefits and downsides of AXA auto insurance coverage
Benefits
- By selecting a licensed restore store to restore your insured automobile, you may obtain further advantages, corresponding to transportation allowance, precedence restore service, free cleansing, and elements restore and upkeep.
- The no-claims low cost protection is HK$60,000 per yr or 20% of the insured quantity, which is barely increased than the HK$50,000 to HK$60,000 per yr or 15% of the insured quantity for many insurance policy in the marketplace.
- Helps on-line instantaneous quotes and insurance coverage purposes; Processing claims by way of the cell utility is easy and user-friendly.
shortcomings
- The 24-hour hotline for third-party legal responsibility insurance coverage is for informational functions solely and doesn’t embody 24-hour emergency roadside help or free towing service.
- The compensation restrict for the free alternative automobile service per incident is low, with a most of $1,000 per day and a cap of $4,000.
- If a automobile proprietor chooses to have their automobile repaired by the unique producer or a well-known restore store as an alternative of an AXA approved repairman, they could not have the ability to benefit from the free further protection.
Extra AXA Auto Insurance coverage data
AXA Automotive insurance coverage web site offers Actual-time quotes for insurance policy. You should purchase insurance coverage instantly on-line. It additionally offers data on numerous life, medical, funding, and common insurance coverage merchandise, in addition to the most recent promotional actions. Insured people can course of Insurance coverage claims by way of Emma by AXA Cell Apps.
Different AXA Insurance coverage
Aside from iMotor automobile insurance coverage, AXA Insurance coverage additionally offers HZMB, VHIS, Financial savings and Funding, Dwelling and Journey insurance coverage for buy.
AXA Auto Insurance coverage FAQs
How can I contact AXA Auto Insurance coverage?
To contact AXA Auto Insurance coverage, please name (852) 2523 3061 throughout workplace hours, or go away your contact data in AXA official web site.
How do I file a declare with AXA Auto Insurance coverage?
The insured can obtain the Emma by AXA cell utility and add the declare type and all supporting paperwork to make an internet declare. AXA will then start the assessment and evaluation course of and provoke the claims process upon receiving the applying.
Does AXA supply insurance coverage for Hong Kong autos touring north to mainland China?
Sure, AXA Auto Insurance coverage offers HZMB Hong Kong Cross Border Motor Car Insurance coverage. You may get insurance coverage even when you haven’t any AXA Hong Kong auto insurance coverage coverage.
How can I discover out the most recent affords on AXA auto insurance coverage?
To search out out the most recent AXA auto insurance coverage affords, moreover going to AXA official web site for the most recent data, you can even contact Kwiksure, which offers you with the most recent automobile insurance coverage offers and compares premiums from over 60 insurance coverage corporations.
What’s AXA Premium Workshops?
AXA Premium Workshops is a choice of unbiased auto restore outlets chosen by AXA. Through the use of a licensed restore store to restore your insured automobile, you’ll obtain further advantages corresponding to transportation allowance, precedence restore service, free cleansing and elements restore and upkeep.