The irony. AXA home insurance is very strict on fraudulent claims however AXA themselves are fraudulent and miss sell insurance. Last year AXA announced an increase in gross revenues £67.53 billion!! because they don’t pay out regardless of what they tell you, what you think your buying your not. They cheated us on a genuine and honest claim, AXA acknowledged our home insurance policy covers our problem (sewage treatment) sent out an independent engineer who had an agenda from the start - when taking our information over the phone the engineer was already telling us we were not covered before any inspections were done. So many issues that are normal, everyday and honest the engineer said are not. The engineering company is employed by AXA to give a report, very unfair and bias to clear AXA of their responsibilities - obvious really. Very stressful to be cheated. You’ve been warned but do your research and you’ll see so many reviews like this.