AXA SmartDrive Car Insurance
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Summary
AXA Car Insurance Review 2024
Discontinued From 30 June 2022 Onwards
- 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.
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Summary
AXA Car Insurance Review 2024
Discontinued From 30 June 2022 Onwards
- 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.
Plans (3)
AXA Smartdrive Essential Plan
Authorised
WORKSHOP
50%
NCD PROTECTION
No
24H ROADSIDE ASSISTANCE
Based on a 35 year old married male driving a Toyota Corolla Altis 1.6 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years
1.0
1 Reviews
High to Low
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.0
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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 |
|
Duo Protector |
|
Overseas Protector |
|
Family Protector |
|
Claim 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)
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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