When ever you ring axa to take out a policy and pay money you will wait less than 3 mins to talk to a member of staff. When you have had an accident you can be on hold for up to 1 hour listening to the most boring pre recorded message.. Should you have an accident out of office hours (inc all day Sunday) you cant even talk to the accident department as its closed. When you are on hold the pre recorded message tells you it is important to report the accident quick, Well good luck with that. My vehicle was damaged by a Deer running in to it, When I rang to report the incident I was asked twice if I had the other parties details.