I have been with Axa for years. this is my first time to make a claim, they refused to pay. I have made my claim since January 2025, now we are August 2025. Nothing has happen, it make me to question Axa if my skin colour and race is a factor. I took the matter to financial ombudsman which find Axa not behaving fairly. They refused to fully cooperate. I am waiting for final decision from financial ombudsman, then i will know how to proceed. I am very supprised and extremely disappointed that in 21st century, a big insurance with such a name is behaving like that in modern Britain. I will not and never recommend them.