I was victim in an accident, not my fault, budget couldn't understand I was reporting same for reference only and to obtain advice on what to do regarding the guilty party's insurance co. I also was not aware that Axa wrer the underwriters of my policy or I would not have bought. they have cheated before and did again by not insuring my courtesy car because my insurance policy value was less than needed to cover the car provided, unless of course I was claiming through them and then they could recover cost from guilty party, but I agreed to let their insurers repair my vehicle, whereby Axa didn't get the chance to dig their arm into the other party. leaving me with a banger of a courtesy car. I will never take out insurance that has anything to do with Axa.