AXA Smartdrive Car Insurance Reviews and Comparison - Seedly
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AXA Smartdrive Car Insurance

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Car Insurance/AXA Smartdrive Car Insurance
Car Insurance/AXA Smartdrive Car Insurance
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Plans (3)

Slide 1 of 3
  • AXA Smartdrive Essential Plan

    Authorised

    WORKSHOP

    50%

    NCD PROTECTION

    No

    24H ROADSIDE ASSISTANCE

  • AXA Smartdrive Flexi Plan

    Any

    WORKSHOP

    50%

    NCD PROTECTION

    No

    24H ROADSIDE ASSISTANCE

  • AXA Smartdrive Peace Plan

    Authorised

    WORKSHOP

    50%

    NCD PROTECTION

    No

    24H ROADSIDE ASSISTANCE

AXA Smartdrive Essential Plan

Authorised

WORKSHOP

50%

NCD PROTECTION

No

24H ROADSIDE ASSISTANCE

Details

AXA Car Insurance Review 2020

  • 7 comprehensive core plans to choose from, depending on your needs
  • Add-ons provided can be bought at a lower price if you choose value pack add-ons.
  • The most basic comprehensive plan, SmartDrive Essential, has the usual Third-Party, and Fire & Theft related coverages, plus windscreen coverage, and 24/7 towing services.
    The 6 other more premium plans that precede Essential, will cover the above and more
  • Plans are pricier than most, not suitable for budget-conscious drivers
  • Choose SmartDrive Essential plans if you own a car that is no longer under warranty – can claim as long as you go to an authorised workshop.
  • Conversely, SmartDrive Flexi plans are best for new cars that are still under warranty.
Read More about AXA Smartdrive Car Insurance
Reviews (1)

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  • Updated on 16 Jan 2020
    Epicly retarded claims process. What can be fixed in 3-4 days outside in a private workshop took more than 3 weeks through AXA. And they had the cheek to quote exclusions on my rims. I would quite literally rather die than give AXA my business ever again. These retards managed to make NTUC Income look fast, efficient and professional. And for those who have dealt with NTUC before, you know thats quite impossible. Yet AXA managed it. I will never again buy anything from or related to AXA.
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AXA Car Insurance Plans at a Glance

AXA has a whooping 7 comprehensive plans which can be split into 2 subtypes: the SmartDrive Essential (limited to AXA authorised workshops) and the SmartDrive Flexi (no workshop restriction).

SmartDrive Essential

1. SmartDrive Essential

  • Basic coverage
  • Recommended for: older/second hard cars (no more warranty), drivers on a budget

2. SmartDrive Essential+

  • Same coverage as Essential
  • 110% of car's market value insured
  • Transport allowance
  • Recommended for: more expensive second-hand cars, parallel imports, and frequent drivers

3. SmartDrive Peace Of Mind

  • Same coverage as Essential
  • Higher flood protection
  • Coverage for loss of personal items
  • Recommended for: more expensive second hand cars, parallel imports, and frequent drivers

4. SmartDrive For Her

  • Similar to Essential
  • Phone assistance
  • Roadside support
  • Transport allowance
  • Recommended for: drivers willing to pay for more assistance

SmartDrive Flexi

As there's no workshop restriction, the AXA car insurance plans listed here are best for new cars under warranty.

1. SmartDrive Flexi

  • Same coverage as Essential
  • Recommended for: new cars under warranty, drivers on a budget

2. SmartDrive Flexi+

  • Same coverage as Flexi
  • 110% of car's market value insured
  • Transport allowance
  • Recommended for: new cars, drivers who drive often

3. SmartDrive Flexi+ Family

  • Same coverage as Flexi
  • Better personal accident coverage
  • Young & inexperienced driver excess is waived
  • Recommended for: new cars, drivers with kids who just got their driver's license

If you're applying for your AXA car insurance online, only 4 out of 7 plans are available, these are the Essential, Flexi, Peace, and For Her plans.

The others Flexi+, Essential+, and FlexiFamily require offline application.

What Kind Of Add-Ons Are Available With AXA Car Insurance?

Don't want to leave anything chance? Here are some add-ons to consider:

Types of Add-On Value Packs Available

Add-ons provided can be bought at a lower price if you choose value pack add-ons.

Think of it as being able to order it ala-carte or as a bundled meal.

Value-added Packs

What do they cover

Protector Plus
to minimise financial loses

  • Daily Transport Allowance
  • Delivery of Repaired Car
  • Car Protector
  • Renewal Discount

Duo Protector
1 price for 2 drivers

  • Daily Transport Allowance
  • Medical and Dental Expenses
  • Personal Accident
  • Monthly Allowance in case of permanent disablement
  • Excess Reduction for Duo

Overseas Protector
For travellers

  • Loss of Personal Effects
  • Cancellation Fees Reimbursement
  • Hotel Accommodation
  • Overseas Allowance
  • Courtesy Car Overseas

Family Protector
with family protection in mind

  • Loss of Personal Effects
  • Medical and Dental Expenses
  • Personal Accident
  • Monthly Allowance
  • Waiver of named Young or Inexperienced Driver Excess

Claim Protector
to protect NCD with excess waiver

  • Excess Waiver
  • NCD Protector

Individual Add-Ons

Add-On

Benefits

Excess Waiver

For waiver of your basic own damage excess

Excess Doubled

Double your own damage excess in exchange for a discount in your premium

Courtesy Car

For use when your car is undergoing repair due to an accident

Personal Accident for Driver

Choose from a sum insured of $50,000, $100,000, $200,000 or $500,000

Car Protector

Pays 110% the market value of car at time of total loss

No Claim Discount (NCD) Protector

Your NCD (30-50%) is protected for any accident involving any of your authorised drivers, for all types of claims

Car Accessories

Cover your car accessories for up to $2,000 without affecting your NCD

Phone Assistance & Roadside Support

At your assistance in the event of vehicle breakdown or immobilization

Medical & Dental Expenses

Medical and dental benefit of up to $5,000 per person in the event of an accident

Personal Accident for Passengers

Cover your passengers for up to $20,000 in the event of a car accident

Monthly Allowance

Receive a monthly allowance in the event of total permanent disablement from a car accident

AXA Car Insurance Review Verdict:

Pros:

  • great variety for plan personalisation - catered to different driver profile and needs
  • AXA car insurance plans will be ideal for those who already what coverage they want but can't find those permutations at other insurance providers and do not mind shelling out more money.

Cons:

  • Prices are not competitive, even for the most basic plan
  • However, the sheer amount of choices and additional packs available might be confusing and daunting to some.

Our Recommendations:

  • Choose SmartDrive Essential plans if you own a car that is no longer under warranty – can claim as long as you go to an authorised workshop.
  • Conversely, SmartDrive Flexi plans are best for new cars that are still under warranty.

Contact AXA

  • Visit AXA online to get your AXA Car Insurance quote
  • Tel: 1800 880 4888 (within Singapore)
  • Tel: +65 6880 4888 (International)
  • Email: [email protected]