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Text Content

0333 006 4473


REPORT ACCIDENT


AXA CLAIMS LINE

Claim following an accident, call the Claims Team 24/7.

Claiming for a Car Accident or injury? It doesn’t get much easier than this.

0333 006 4473

Press Option 1 for New Claims
Press Option 2 for Existing Claims

AXA Accident Number

As an AXA Customer who has had a non-fault accident, you can now claim with the
following benefits:-

 * Very low call waiting times
 * Brand-new manufacturer quality parts used in repair
 * Our service will not affect your insurance premiums for a non-fault accident
 * No policy excess to pay
 * Like-for-like courtesy vehicle for the entire duration of repairs





GET IN TOUCH

All fields are mandatory and should be completed correctly to submit the form


Full Name (required)

Your Email (required)

Phone Number

Address

Date of Accident

Own Car Registration Number

Location of accident

Third Party Vehicle Registration Number

Third Party's Name

Third Party's Address

Third Party's Phone Number

How did the Accident Happen




A GUIDE TO AXA ACCIDENT CLAIMS

If you’re unfortunate to have been involved in a car accident, you need to know
how to correctly, fairly and legally resolve the situation with all those
involved. Having access to AXA Claims Number is important but in the event of a
non-fault accident you are free to choose your own repair network and Hire car
provider. Understanding how to properly deal with insurance and the emergency
services, if they’ve been contacted, can also be crucial to know if you’re ever
involved in a car crash.

This guide gives information on what to do after a car accident, how to pursue
accident claims, arrange repairs for an accidentally damaged vehicle, and deal
with the police after a car crash.


AXA Claims
If you have been involved in a car accident, our professional Claims team is
here to help you. Contact our claims team immediately on 03330064473 to discuss
how we can help you with the following:


 * Getting your car recovered from the scene of accident
 * Getting your car repaired
 * Vehicle storage in our secured yards
 * Credit hire car which is a like-for-like replacement vehicle or better
 * Full claims management for non-fault accidents




AXA CLAIMS GUIDE

 * What to do after you have had a road traffic accident?
 * Roadside Car Recovery AXA insurance
 * Dealing with AXA Claims after an accident?
 * Repairing your vehicle after being hit by a AXA Client
 * What to do if you get injured in a Road accident?
 * Other FAQ



WHAT TO DO AFTER A AXA ROAD TRAFFIC ACCIDENT?

 1. First of all Stop the car and try to find a safe area nearby
     * The law requires you to stop your car and not flee the scene of the
       accident. Sometimes it can be dangerous to stop immediately because of
       the road, weather or traffic conditions. If it is unsafe then try to find
       the nearest safe stopping place. If you are at a motorway then stop at
       the hard shoulder or if you are on a city or town road then a side street
       away from lots of traffic can be ideal.

 2. Check if you or any passengers are injured, call an ambulance if required
     * If it was a bad car accident, someone might be injured. Check yourself
       for injuries and then also check on your passengers, if you find anyone
       with mild to severe injuries it's always the best practice to call for an
       ambulance.

 3. Emergency services like Fire brigade, police and ambulance should be called
     * Fire Brigade services should be called if your or the Third party’s car
       is on fire. Sometimes they have to be called upon if someone is trapped
       inside a vehicle or the vehicles are blocking the road. Ambulance
       services should be called in case there is injury to the occupants of any
       cars or pedestrians involved in the accident. The Number for Emergency
       services are 999 and 112, you can call any of these numbers.

 4. Exchange details with the Third party involved
     * By law (section 170 of Road Traffic Act 1988) you need to exchange your
       details with the Third Party. The details you need to exchange are, your
       Car Reg, Your Name and Address, your phone number and if known to you
       then also your insurance details. So that all information is correctly
       captured you can ask to see the Driving license of the Third Party and
       take a photo of it to confirm Name and address. Take photos of vehicle
       damage and try to make videos too as this can help AXA Claims and
       Third-party insurance to identify liability.

 5. Gather information on the incident
     * AXA and other insurance companies use information you give them and they
       gather about the accident, to determine who is at fault for the incident.
       Try to collect all the information you could about the accident. This
       includes but is not limited to taking photographs, taking vehicle
       registration numbers, names and contact details of all individuals
       involved in the accident, taking notes about the location of incident,
       weather conditions, road conditions, date and time of incident. Try
       speaking to any witnesses and take their names and numbers. They can
       later corroborate your story and it is considered as strong evidence to
       prove fault.

 6. Contact AXA Claims Number
     * You should contact AXA Claims Number and give all the details of the
       incident. If you are not at fault for the accident you can choose your
       own repair network and can get your own hire or replacement car. We will
       arrange all of that for you completely free of cost. We will make sure
       that your no claim bonus stays unimpacted, you don't have to pay any
       excess and your car is repaired from an authorized garage.


ROADSIDE CAR RECOVERY AXA INSURANCE

If you have fully comprehensive insurance with AXA then your insurance company
is liable for paying recovery fees. You can either arrange it yourself by
contacting the RAC OR AA or GREENFLAG, or by contacting the POLICE, or a
Recovery firm if you know one.

Irrespective as to what action you take the insurance company will reimburse or
pay these fees.

You are responsible for the recovery fee for storage from this point up to
telling the AXA. So, if you leave the car in storage for 3 weeks and then
contact your insurer, you are responsible for these charges.

What we would advise, if you want to use your own repairer, get your car
recovered directly to their premises if you can, rather than going to the
recovery agent's yard.

If you have the space and it is off the road, your own home address may be the
best place for the vehicle, you are now in control of the claim process.

If you are only insured THIRD PARTY FIRE AND THEFT, you are generally
responsible for the recovery charges of your vehicle unless it is someone else’s
fault or it says differently in your policy.

BE AWARE! The POLICE have something called “statutory instruments” which they
use to arrange the recovery of vehicles through police contractors. These are
done at set rates agreed under the above “statutory instruments” and are not
cheap.

If the police move your vehicle, you do need to advise AXA, within 48hrs, but it
is up to you where it gets moved to!

Our advice is that if you can arrange your own recovery do so, rather than allow
the police to do it.




DEALING WITH AXA CLAIMS AFTER AN ACCIDENT

All car accidents should be reported to your insurance company, regardless of
how minor or small they might be.

What accident information is required by AXA Direct?


The information we discussed in step 4 above i.e. Names, addresses, vehicle
registrations, any photos, eye witness name and contact numbers, CCTV and
dashcam footage. All this will help AXA to establish liability. In case if the
Third-party Insurance company disputes liability or claims it to be 50-50 then
AXA will have strong evidence to win the liability in your favour.

When should you contact AXA after an accident?


While there are no legal requirements to report an accident to your insurer, it
may affect your ability to make subsequent claims. You should contact AXA to
inform them about your car accident immediately or as soon as it is safe and
practical to do so.

How long after a car crash can I make a claim for repair?


If your car is damaged after an accident and you need to make a claim on your
insurance to repair it, you can ultimately choose when you wish to make a claim.
For a non-fault accident you can use a third-party insurer to cover the costs of
your car repairs so there’s no expense to repairing your car immediately.





REPAIRING YOUR VEHICLE AFTER BEING HIT BY AXA CLIENT

Having to repair your vehicle after a road accident can be timely, costly, and
frustrating but the good thing is our claims team is here. Give us a call if you
have had a non fault accident and we will get you a replacement car out within
24 hours and will also get your car repaired through the garage of your choice.
You have a few options to repair your car after an accident as discussed below:

Going through your own insurance for vehicle repairs


Insurance companies will try to get you to use their ‘approved repairers’
network. Approved repairers are in partnership with the insurance companies to
provide their clients cheap and fast repairs. This is good for the insurance
companies as they can get the repairs done for a fraction of the cost but it may
not always be in the best interest of the policy holder. Using your own
insurance company can mean that you would have to pay excess to use their
services.

This also means that to get an update on your repair status you need to call the
insurance company again and again. The wait times on such calls can be hours. We
offer our clients bespoke repair solutions and we answer your call in less than
1 minute.

Choosing your own repair network


We strongly recommend that you go with this option and send your vehicle to a
repair network of your choice. Legislation introduced in 2010 deemed it unfair
that insurance companies could dictate to customers who should repair their car.
Since then, insurers are not able to force you to use their approved repairers
and must still pay-out if you choose your own repairer.

Choosing your own repairer gives you a much wider choice of garages and you have
much more control over who repairs your vehicle. Approved repairers typically
work in the best interests of the insurance company and may be pressured to
repair your vehicle quickly and cheaply, using non-original parts that could
invalidate your warranty.

What should you be looking for when choosing a garage for accident repairs?

 * Fair and transparent pricing
 * Manufacturer-approved repairer if your car is under warranty
 * Use OE (original equipment) specification parts
 * Guaranteed repairs back to pre-accident condition
 * Valid guarantee offered on all repairs

Firstly, fair and transparent pricing is important when handling insurance
claims. You need to be able to trust that the quoted price provided by the
repairer is honored and that there are not additional fees charged or any extra
work undertaken that wasn’t agreed upon.

About Manufacturer-approved Repairers


If your vehicle is under any form of manufacturer warranty, you are likely to
require a manufacturer-approved repair service in order to maintain the validity
of the warranty. A ‘manufacturer-approved repairer’ will be a garage that has
been approved by a car manufacturer to repair their vehicles to meet
factory-standards. This is typically achieved once the manufacturer has reviewed
the equipment at the garage, provided training on how to fix their cars, and
supplied parts.

Going through AXA for Repairs


If you’re not at fault for the accident, you will be able to make a non-fault
claim as long as your insurer is able to recover the cost from the third-party.
In these cases, you will not have to claim on your insurance and your no-claims
bonus will be protected.





WHAT TO DO IF YOU’RE INJURED IN A ROAD ACCIDENT AXA INSURANCE?

As a AXA customer, If you find yourself injured in a road traffic accident then
do not try to move too much from your seat at first. Assess your condition to
see if you are able to move your neck, head, back, lift your hands and legs etc.
Also look for any bleeding in the body. In case of injury, call the Ambulance
and other emergency services as soon as possible. There are incidents where the
emergency services have to cut open the vehicle doors to get the injured persons
out so if you are in a condition to move then try to move out of the vehicle
yourself. Stay in a safe and secure place away from the traffic. You should
always try to help yourself before helping others in such situations. IF you are
a non fault driver or passenger who has been injured in a Road traffic accident
then you are eligible to get compensation for the injury or discomfort.

We have devised a comprehensive guide about what to do if you are injured and
how to claim injury compensation.


AXA CLAIMS GUIDE – HOW TO CLAIM COMPENSATION FOR INJURY

After an accident you can experience Whiplash which is the most common injury
type. Whiplash is actually a term used for soft tissue damage that occurs during
a vehicle accident or a vehicle accident when hit from behind generally by
another car. The quick acceleration, i.e. going for a low speed or stop position
causes the head to jerk forward, and then brutally backward, causing whiplash.
We make this guide for making AXA Whiplash claim in the UK and it will provide
you with all the advice and information you need to approach your own claim from
a position of understanding.


What Are The Symptoms Of Whiplash Injuries?


Whiplash is an injury to your tendons, muscles, or other soft tissues of your
neck. It is caused by a vigorous and sudden movement of the head in one
direction, then back again quickly, most generally during a car accident.

Pain from a whiplash injury starts 6 to 12 hours after the injury. You may feel
pain on the day of the accident or injury and find that your pain, swelling and
bruising increase over the following days.

General symptoms of whiplash include:

 * Difficulty moving your neck
 * Neck issues: stiffness, pain, tenderness or swelling
 * Headaches, problem concentrating
 * Muscle weakness or spasms
 * Pins and needles, pain or numbness in your hands and arms or shoulders
 * Vertigo, dizziness, or tinnitus (ringing in your ears)
 * Blurred vision or difficulties swallowing


Could I claim for a whiplash injury from AXA insurance?


The moment you think you might have a whiplash injury from a vehicle accident,
you should get medical treatment. Bear in mind that whiplash injuries, like
cervical strains, don’t forever present themselves immediately after an
accident. There are many reasons why the sooner you get treatment, the better.

First, it may be simple to treat the whiplash. If there is soft tissue damage,
not taking the right precautions could worsen the pain. Second, it will be
easier to file a claim with an insurance firm later on. The longer you wait to
seek medical help for a vehicle accident injury, the more likely an insurance
firm will assume that the injuries you are claiming are not as extreme as you
say they are.


What an AXA insurance company may not want you to know


When you are trying to get a vehicle insurance payout for whiplash, there are
lots of things you can perform that could help increase the amount of
compensation you get. The Financial Conduct Authority (FCA) has said the amount
a claimant gets in can be increased:

 * Always reject the first offer of settlement that the defendant comes out
   with.
 * Consult with injury and accident solicitor to represent them in their claim
 * Makes the correct choice over whether to admit a pre-medical settlement offer
   from the insurance firm

If you need some best suggestions about how to increase the level of
compensation you are offered, reach out to our claims team today. They can help
you to make the best decisions.


Whiplash claims under Split liability agreements


The term split liability refers to an agreement in which 2 or more parties share
the blame for an accident. These kinds of claims are also referred to as 50/50
claims, reflecting the ratio of the equal accountability that is typically
divided between 2 claimants.

Other general split liability proportions are:

 * 75/25 split in your favor – you will get 75 percent of the full value of your
   claim from the other party’s insurance firm as you admitted 25 percent
   liability
 * · 25/75 split in other party’s favor – as you have accepted that you were
   mostly liable for the accident, you will only get twenty-five percent of the
   full value of your claim from the other party’s insurance

If you accept split liability, you and the other driver would proceed with the
process of claims under the agreement that you were both partially to blame.


Should you take the first settlement offered by AXA Direct?


If you have suffered trauma or injured as a result of your car accident you may
be feeling vulnerable. If you are contacted by AXA and offered a settlement for
your whiplash claim, you should bear in mind that:

 * You don’t have to accept any offer from AXA. If you do accept the offer it
   might be very low than the compensation you would have got if you would used
   a solicitor or gone to court instead
 * Don’t feel any pressure to make a decision immediately. You have up to 3
   years from when the accident happened to make a claim for compensation.
 * If a AXA offers you payment or asks you to sign something, ensure you know
   what it is for
 * If you have been hurt, get a complete medical assessment, to verify any
   injuries you have got and the likely impact on your life.
 * You need to understand the injuries' nature, how serious they are, and
   whether they will have a long-term impact on your life before you can judge
   whether any offer is fair.

If you need to speak to somebody to get some legal suggestions about whether you
accept a primary settlement offer or not, our claims team can help.


Should I take a pre-medical offer from AXA Direct?


Pre-medical offers are proposals to pay compensation before the wounded person
has been seen by a medical professional. The objective of a pre-medical offer is
to encourage early settlement of the claim. The insurer gets the claim off their
books for a fixed amount; the wounded person gets compensation immediately
without a medical examination.

Sounds too good but pre-medical offer could be an expensive mistake.

You never know how serious a problem is or what the prognosis will be until you
have a medical report. You just get one shot at settling a compensation claim
and if you accept a premedical offer and then find out that your injury does not
resolve as immediately as you thought, then you cannot claim compensation a
second time.

A pre-med offer does not take into consideration the complete value of the
claim, such as:

 * The length of recuperation period
 * The injuries depth
 * The level of pain and suffering period
 * And, long-term disabilities

And another downside of accepting this offer is that:

 * Travel expenses
 * Loss of earnings
 * Care costs
 * Private medical expenses

If you choose to reject a pre-medical offer but would still like to seek
compensation for your injuries, you should contact a personal injury law firm
for legal advice.


AXA whiplash injury compensation calculator


Under the rules introduced in 2021, the whiplash compensation amount you can
claim ranges from £240 to £4,215.

Payoutes for whiplash that lasts up to three months are capped at £240. This
amount then increases in stages to £4,215 for a damage or injury that lasts up
to two years.

The courts have the power to raise a pay-out by up to twenty percent, in serious
cases. The following guidelines for whiplash pay-outs are published by the
Judicial College, part of the Ministry of Justice.

Length of Injury Amount for Whiplash Injuries Whiplash Injury with mild
Psychological Injury Nor more than 3 months £240 £260 More than 3 months but not
more than 6 months £495 £520 More than 6 months but not more than 9 months £840
£895 More than 9 months but not more than 12 months £1320 £1390 More than 12
months but not more than 15 months £2040 £2125 More than 15 months but not more
than 18 months £3005 £3100


Will I get other types of compensation as part of a whiplash claim?


This list could be wide and is dependent on the details of your specific case,
but key examples are:

Missed workdays: if you missed days at work, you may be compensated for the
money you would have earned. If some type of disability happens from the
accident, you may have a disability claim that can be filed for loss of earning
capability, possibly for the rest of your life.

Out of pocket expenses


Quick expenses that you may have to pay, when your health is serious, time is a
factor, and you can be compensated for most of the cash you need to spend
initially.

Medical expenses


We all know that any hospital visit, medical treatment, and physical therapy can
result in big costs to you and your family. Whether you have health insurance or
not, many of these expenses have very high costs, or not be covered at all. You
and your family’s future may be dependent on your settlement.

If you need lifelong treatment, physical therapy, etc, the costs will go high
and you must be provided with the funds required to continue these treatments,
as well as continue to provide income for you and your family to sufficiently
live on.

The amount of compensation could include the following:

 * Treatment expenses
 * Prescription costs
 * Vehicle repair costs
 * Loss of earnings
 * Hospital parking expenses
 * The cost of adopting your accommodation
 * Childcare expenses
 * Travel costs

No win, no fee claims against AXA Insurance


A No Win, No fee claim provides you the financial confidence and security to
pursue justice. Under this kind of agreement, you would not be asked by the
solicitor to pay any type of new claims fee. You also would not be expected to
pay continued fees, even if it takes many months to reach a right settlement. If
the claim fails, and you don’t get any compensation at all, then you don’t pay
anything. If you win you pay a percentage of the compensation as solicitors fee.





ACCIDENT FAQS

What to do after a minor road accident AXA Direct?


A minor accident means that the accident should have happened at a low speed and
has caused very less damage or injury to anyone that has been involved. Having a
low-speed crash does not mean that you do not have to report it to anyone or not
get your car assessed for damages by specialists. Even in the event of a low
impact accident please do follow the above outlined 6 steps to be on the safe
side. Sometimes these minor accidents do not cause any apparent injury or damage
at the time of the incident but can cause internal damage to the vehicle which
becomes visible after a day or two of driving.

What to do if as AXA customer someone hits your car and drives off?


If you have had an accident with another vehicle and they failed to stop, you
should report it to the police as it's a crime to flee the scene of the accident

without exchanging details. Before you call the police please make sure that you
are at a safe place, are not blocking any traffic, check for injured persons if
any, you should collect all information about the incident along with witness
details. Call the police with all of the information you have collected and they
should then give you a crime reference number.

What to do if you are hit by an uninsured driver?


You can check if a car is insured by calling your insurance provider or using
the Motor Insurance Database’s (MID) ou askMID online service by paying £10. If
the other party comes to be uninsured, call the police on 101 and get a Crime
reference number. Now you have two options depending on your own insurance cover

 * If you have fully comprehensive car insurance. The claims process will be
   trickier though as your provider won’t be able to recover costs from the
   other side.
 * ‘Third party’ or ‘third party fire and theft’ policy holders won’t be able to
   make a claim but can apply for compensation through the Motor Insurers’
   Bureau (MIB).
   
   

   You can register for an account with the bureau to complete an application
   online.

What to do after a car accident that is not your fault?


The above 6 steps guide gives you extensive information about what needs to be
done in case of a non fault accident. All the 6 steps should be followed and if
the Third Party is aggressive or abusive to you or they engage in a fight or
road rage you should call the police immediately. I should insist here once
again that all information about the incident should be collected and recorded
appropriately.

What to do after a car accident that is your fault?


In the event of a fault accident you should keep calm and go on to collect all
the information about the incident and make sure everybody is safe. Call the
emergency services if need be. As a AXA customer you should not admit any kind
of fault at the scene of an accident which also means to not apologize for the
situation. Apology at the scene of an accident can be used against you, as if
witnesses have seen you apologizing they will tell the insurance company that
you have apologized and thus admitted the fault for the accident. If you are
blamed for the accident by the third party you need to simply say “No I did not
cause the accident”.

What to do if you witness a car accident in the UK?


If you are witness to a car accident in the UK you must always stop and remain
at the scene of the accident. Whether you are a witness from another vehicle or
as a pedestrian or cyclist bystanders, you must cooperate as an eye witness.
First and foremost make sure that those involved are OK and are not injured.
Call the emergency services if they are needed.

What happens if you crash a courtesy car?


Insurance for a courtesy car is typically provided by the company providing the
vehicle or your insurance company may provide cover for driving a replacement
vehicle in your policy. If you crash a courtesy car, you’re likely to be covered
in the same way as any other vehicle you drive, which means if the crash is your
fault you’ll be required to pay the excess and if you’re not at fault you’ll be
able to claim on a third-party insurance.

How long does it take to repair a car after an accident?


Car repair times vary depending on the state of the vehicle. The availability of
parts, vehicle transportation and the specialism of the repair can all length
repair times. Once your vehicle has been assessed, your repairer should be able
to accurately predict how long it will take to be repaired.



REFERENCES

MIB – If you were hit by a driver without insurance, or someone that left the
scene and could not be traced, then the MIB may be able to pay out on your
claim. We could help you with this. This page links you to information on
whiplash reforms.

Stiff neck or neck pain advice – NHS advice on neck pain or stiff neck symptoms.
This link shows self-help techniques and more.

Consultation on whiplash claims – Government consultation on reforms within the
whiplash claims system.

Department for Transport: Report on Road Casualties in 2017

House of Commons Transport Committee Report on the Cost of Motor Insurance:
Whiplash


ABOUT US



Here at the Motor Claims Direct, we provide a comprehensive accident claims
management service. Claims Department AXA can be busy at times so we can process
your non-fault accident claim in a prompt way. From the first Report Car
Accident, through to claim settlement you can trust us to provide you RoadSide
Recovery, Accident Damage Repair, Injury Compensation, and Free Courtesy Car
resulting in measurable benefits and outstanding customer service.

Working with our extensive Network of Repair Centre and the different solicitors
across the UK, our panel has expertise in all fields from personal injury claims
to credit hire. Our specialist team brings years of expertise in driving our
approach to finding your best results. At Motor Claims Direct we ensure our team
and partners are best in class, combining substantiated industry knowledge with
the most effective experience.





CONTACT US

Motor Claims Direct
Tel: 0333 006 4473

ARE AN INDEPENDANT CLAIMS MANAGEMENT COMPANY AND ARE IN NO WAY AFFILIATED WITH
OR WORK ON BEHALF OF ANY CAR INSURANCE PROVIDERS OR BROKERS, Logos are the
intellectual property of the respective companies and we have only used them for
illustration purposes. We are not related to or represent any of the insurance
companies listed on this website – FOR ANY MORE INFORMATION PLEASE
CONTACT Us On 0333 006 4473