Claimed on a fairly black and white incident involving my car and another. The third party pulls out of a junction and I hit them off centre in the rear. I'm aware that crashes to the rear are a grey area, but honestly, the mouth of the junction is so wide that any car pulling out on you, will always cause a crash in the rear, due to the angle they enter the road at. So, based upon that, this is a fairly straightforward claim in my opinion. Axa has failed to get the third parties insurance to take responsibility so far, and I'm currently out of pocket due to my ludicrously high excess that I am waiting to be reimbursed. They asked for a diagram and statement of the incident from my part to which I put a lot of effort into, but when I rang them, they said they received no correspondence. They then found it within 30 seconds of me calling them (a week after I had sent it, but was happy to do nothing until I rang them)... I asked if they had sent my statement and diagram to the third party and they said they cannot. So, I don't really see the point. From my point of view, they have done absolutely nothing. I have that opinion because I have been kept completely out of the loop, and they haven't actually told me they have done anything apart from sending a letter to the third party (after they finally found my statement, so I guess that was my doing, not theirs). I'm struggling to understand why they are finding it hard to resolve such a simple, and black and white claim. The bit that really annoys me is the amount of time it takes them to pick up the phone. And when they do, they refer you to another department and have to sit on hold again. The correspondence between Axa and third party is via paper letter medium. Hense why it takes them so long to move on anything. Furthermore, they are also refusing to pay 2 more days of the hire car I had, because they just decided to stop paying for the hire car the day my car was finished, expecting me to drop my entire life to go and fetch it. Better still, the only correspondence they had from me was the day I dropped off the hire vehicle. So in my eyes, I gave the car back the day they told me my car was ready. They did not see it that way; void of any conceivable logic... Just a joke of a service really, for what I assumed to be a premium company. I laugh at the thought of me, or any of my friends and family using Axa as an insurance provider.