[Is AXA Car Insurance Good?] Car Insurance 2026 Review |Coverage and Features Comparison

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’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’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.

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).

*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.

*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.

*All information is subject to the announcements of the relevant insurance companies.

Third-party liability insurance for automobiles (three-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.

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.

Apart from iMotor car insurance, AXA Insurance also provides HZMB, VHIS, Savings and Investment, Home and Travel insurance for purchase.