AXA España Reviews 

Stay well away from AXA! Inadequate, sluggish handling of a burglary claim!!!
We suffered damage following a burglary at Easter 2026. To date (mid-June 2026), nothing has been repaired! AXA is keeping us waiting because their tradespeople are very poorly organised – windows, aluminium shutters, grilles. Nothing has been repaired. A disaster!

This is a scam, stay away. Having a home insurance with them, one of the most expensive in the market, but they refuse to cover the cost of a water leakage. I sent pictures, I sent reports but they just refuse. The antenna broke and they asked me to call a service company, I asked to remove the old antenna because it was a danger for the pedestrians. Axa refuses to cover the cost.

I quit following their instructions on how to proceed, I asked for confirmation during many months but no notice from them. Then a notification that the renewal is due and price goes up, I should write them if I don’t agree. You guess what happened then…

Stay away and spread word, this is a scam

We used to have home insurance with Axa in Spain. Last year we found a better insurance provider so we sent a cancellation letter (service by the new insurance) but never received a reply or email confirmation. So I called on November 17 2025, well before the due date to stop automatic renewal (took me ages and several attempts to get through and to the right person) and they said that indeed they received my cancellation but it needed to be hand-signed. So the same day I provided a the signed letter in which I asked for a confirmation of cancellation. I followed up a couple of times by email but never received any reply or cancellation. In march this year AXA took money out of our account as if nothing ever happened. We asked our bank to undo the transaction. For the first time we received a reaction from AXA threatening legal steps. We replied "reminding" them that the policy was long cancelled, and also filing a formal complaint. Today 6May2026) we received a formal letter from AXA, stating that the insurance was "nullified due to lack of payment", as if nothing ever happened. This is either incredible incompetence on the part of AXA, or, more likely in my opinion, a brazen scam to extract more money from people who are unable or unwilling to put up a fight

If I could give a ZERO, I would. Absolutely awful. I have shown up to online appointments three times, but there was no doctor. You cannot make in-person appointments from their app. I am cancelling the insurance today. Absolutely AWFUL.

Awful!This company doesn't care about it's clients, insists on using only one company for repairs, a company that delivers very shoddy workmanship. Doesn't notify you of premiums increasing in cost . Completely uninterested in it's clients. My roof was repaired and I discovered afterwards that it was leaking. AXA contacted the aforementioned company who said the leak was not located in a part of the roof that they'd repaired. As I hadn't said where the leak was they couldn't have known but Axa chose to believe them. I paid for a proper builder to repair the leak. The same company repaired my daughter's tiles at the entrance to her house. Unbelievable shoddy workmanship. Eventually an assessor came out and agreed the workmanship was terrible and the whole thing needed doing again. At first AXA said my daughter could find her own builder and AXA would pay the bill. She did this, sent in a quote, AXA then told her that they'd decided they wanted the original company to redo the work. This was nearly a year ago and she's still waiting.

La peor experiencia en seguros de salud.
Un montón de requisitos para una simple prueba.(Tac senos paranasales)
Nada recomendable.

I tried to cancel the policy via email 5 times with no answer along 3 months. Finally they got back to me 2 weeks before the end of the policy and told me that I should renew the policy because I did not give them 1 month notice period. Incredible! They just do not answer to clients and expect us to renew. Prices are also outrageous.

There’s not better news than the day you are leaving Axa Health for another company.

Spanish/English
El 14 de julio, mi auto se descompuso en la carretera 332 en Alicante. Tenemos una tarjeta de estacionamiento para personas con discapacidad de color azul. Mi esposo tiene 86 años y yo tengo 76 con osteoporosis. El servicio de asistencia de Axa dijo que tendrían a alguien allí en 20 minutos y que no dejáramos el auto. Tres horas después; bajo un calor intenso, sin agua, el teléfono se quedó sin carga después de 4 llamadas a Axa y amigos para que nos ayudaran. Un servicio de asistencia llegó. Un hombre muy amable nos dijo que tuvo que conducir desde una llamada en Benidorm y se disculpó profusamente. Al día siguiente, en la oficina de El Campello, nos dijeron que merecíamos una disculpa y una compensación de 60 euros. He estado pagando a esta empresa durante más de 10 años y solo he tenido un pequeño reclamo de casa. Vergüenza para ellos. A partir de hoy, 19/11/2025, todavía NO hay disculpa y ni un céntimo de compensación. No puedo esperar a que mi póliza termine para poder cambiarme a una compañía confiable y mejor. N.B

On 14 of July my car broke down on the 332 highway in Alicante. We've a blue parking invalid card. My husband is 86 I'm 76 with Osteoporosis. Axa breakdown service said they would have someone there within 20 minutes and not to leave the car. 3 hours later; in the fierce heat, no water, phone ran out of charge after 4 calls to Axa and friends to help us. A breakdown service arrived. A very nice man told us he'd had to drive all the way from a call out in Benidorm and profusely apologied. Next day at the El Campello office we were told we were due an apology and €60 compensation. I've been paying into this firm over 10 years and only had one small house claim. Shame on them. As of today 19/11/2025 still NO apology and not a penny compensation. Can't wait till my policy is up so as I can to a reliable, better company.

If I could leave zero stars I would. We realised we couldn’t see my Husband’s motorbike insurance on the Spanish DGT app. Investigations revealed they had cancelled the insurance but had taken the payment! Every time we email asking for a refund, they reply with a number to ring and speak to someone in English as our Spanish isn’t yet good enough. But there is no one available and they assure us they will call back but never do. We are going round in circles. No insurance and yet they took our money. I have asked via email several times for their full address so I can complete a Hoja de Reclamaciones but they just ignore that too.

I’ve been a customer of this company for several years, and everything was fine as long as I simply paid my bills on time. In May this year, my parked motorbike was damaged by another vehicle. I contacted AXA to handle the claim — and that’s when they showed their true level of “professionalism” and competence.

After submitting my claim, I received no updates until I started chasing them myself and asking questions.

They sent me for a damage inspection, but when I arrived, there was just an old man with a mobile phone taking pictures of the bike in the street — and that was it. I had to find a proper garage myself to get a real assessment done. On the day of the inspection, an AXA representative was supposed to attend, but I only found out he wouldn’t show up after I called them myself.

Throughout the whole process, they repeatedly ignored my questions, gave vague and evasive answers, or didn’t reply at all. I requested documents related to my claim several times, but never received anything.

Yesterday I finally collected my motorbike after “repairs” — only the superficial damage was fixed, while the bike still has visible misalignment (the handlebar and rear section remain bent).

It’s now been almost six months, and my situation is still unresolved. I have no idea when or how it will end.

Dealing with this company has been nothing but stress. I absolutely do not recommend AXA to anyone.

Trying to cancel my dad's car insurance (in Tenerife) after he passed away. It has been 15 months. No reply to any of my 20+ emails. No reply to my 2 letters of complaint.
I have never experienced anything like it.
They tried repeatedly to put through the renewal 13 months after his death. When it failed ( due to bank account closure) I got an automatic email saying.
>>
Para cualquier aclaración no dudes en ponerte en contacto con nosotros
>>
yeah right.

Out of all the things I had to deal with - they have been the worst.
Their website for who to contact to escalate - emails just bounce.
"Your message wasn't delivered to comunicacion(at)agrupacio.es because the address couldn't be found or is unable to receive email."

Escalating this now to the ombudsman. Let's see if they answer.
& just for record - i speak fluent Spanish. Mum is Spanish & Dad is english.

Only giving 1 star as there is no lower option.... If you have never experienced 3rd world living conditions,I highly recommend opening a policy with AXA and you will get exactly that without having to travel to a 3rd world country

This company does not even deserve 1 star. My home suffered water damage at the end of September 2024. The water leak was repaired quickly. It is now September 2025 and I am still waiting for repairs to laminate flooring, doors and their frames and trims, wooden stairs and redecoration of damaged paintwork and a replacement shoe cuboard. I've been visited by 4 different sets of carpenters, 2 different decorators and one assessor. Last carpenter visited 29th May 2025. The bathroom door actually stuck and I was unable to open it because of the warped doorframe. Have sent Burofax to relevant departments. I'm still waiting

🚨 WARNING to anyone considering AXA Seguros 🚨

This company is nothing but a scam. A fraud. A disgrace to the word “insurance.”

AXA Seguros illegally added an extra charge to my account for a medical visit that I never had — and neither did my family. From July 10 until today, I have been fighting to prove the obvious: that this visit never happened, that I was never scheduled for it, and that it has absolutely nothing to do with my policy.

Since July 20, I have been sending messages, emails, and proof to both my broker and directly to AXA’s health department. And what has AXA done? Ignored me. Not a single explanation. Not a single apology. Not a single responsible answer. The only thing they send are automatic reminders demanding that I pay for someone else’s visit.

Let me be clear:
🔴 AXA Seguros demands money from innocent clients for services they never used.
🔴 AXA Seguros ignores all evidence and all client complaints.
🔴 AXA Seguros lies openly, claiming to answer in “48–72 hours,” when in reality they hide and stay silent.
🔴 AXA Seguros never apologizes, never takes responsibility, and never corrects their mistakes.

I even told them I would pay this fraudulent bill IF they gave me a written guarantee that I would be reimbursed. Guess what? Silence. Not a word. Because they know they are committing fraud.

This is not a “mistake.” This is a system of deception. AXA Seguros survives by exploiting, abusing, and deceiving its own clients.

The truth: AXA Seguros is not an insurance provider. AXA Seguros is an organized scam operation. They demand money for services never rendered, and when you confront them with proof, they ignore you.

📌 I have kept all the evidence, all the correspondence, all the unanswered messages. And I will be filing official complaints with the authorities.

But I am posting this as a warning:
❌ Do not trust AXA Seguros.
❌ Do not sign with AXA Seguros.
❌ Protect yourself and your family from this fraudulent company.

AXA Seguros is built on lies. They advertise “the best service” while practicing extortion. They pretend to care, but in reality, they rob their own clients.

👉 Share this so more people know the truth. Don’t let AXA Seguros scam another innocent family.

Terrible company. Had home insurance for spanish property. I wanted to cancel my policy two weeks before renewal. My error, they need two months notice apparently. Anyway, they took my money for renewal and cancelled my policy anyway! Absolute jokers. Avoid like the plague.

Paid premiums every month, but when I needed a specialist, they claimed it wasn’t included. I had to pay out of pocket anyway.

Extremely poor management of my car accident: I was not guilty but I had to pay the bond anyways. Then I received the invoice for the next year with a significant rise. I quit AXA and got OCCIDENT, my house insurance.

Do not use these !!

Wouldn’t pay out due to me being over 36 weeks pregnant at the time of flying

Don't touch this company. They took over my health insurance from Agrupació the management is a disaster. Customer service agents are rude and uneducated. I have had to pay an abogado to send them a Burofax to advise them that they cannot legally change the date of renewal on a policy.

Worst experience with a Spanish insurance company ever