A pain from start to finish, what a mistake. Tried online, only for it to fail to take payment. Called up and was going to be charged £15 more! Had to spend 30 minutes just to get him to take payment. I was then out of the country for a week in the US and Canada and constantly chased for my NCB. I was with AXA before and with AXA now, but it would be too easy for anyone to put 1 & 1 together. Email NCB only to get a missed call and a voicemail saying you tried calling AXA, but got fed up waiting after 20 minutes!! I then called and tried Online chat. Chat bombed out, call finally answered, put on hold and then finally told they hadn't processed my email, yet. I then asked about breakdown cover, but different department, so you lost that business. Shocking