AXA Direct Car Insurance

Request a free consultation
Discount options
Get 38.8% discount for
low-mileage car insurance.
(Drive distance under 2,000km/ post-discount for private cars)
Get 9.9% off, if you are accident-free for
the recent 3 years.
Get extra 5% special clause discount if you have a black box.
Get 6% off for My kid's special clause(Under 7-year-old)
Get average 5% off, if you are 30~49 years old
Get 2.4% for having safety device in your car(Tire Pressure Monitoring System/Electronic Stability Control)
Car insurance customized to the driver’s life, not to the car

We may drive the same car, but everyone’s life is different.
Thus, if we are living different lives, each one of us needs different car insurance.
We proudly introduce you AXA Direct Car Insurance customized to the driver’s life, not to the car.

Discover car insurance that best fits your stage in life!

* Click on the image to view the detail.

AXA Customized Car Insurance | 'First Car' package
The joy of buying your
first car is only fleeting!
Are you a fist-time driver
worried about accidents?

Providing the essential coverage you need for
your precious first car at a reasonable price

What if my precious first car is seriously damaged
in an accident?
This product will provide the money you need to buy a new car (sum insured), not simply the repair costs (if you purchase the special clause.)
* Only within 12 months after the initial car registration and only when the cost of repairing the insured car damaged in an accident exceeds 60% of the sum insured
AXA Customized Car Insurance | 'Family Oriented' package
Is your family your
number one priority
in an accident?

Providing essential coverage to protect your family at a reasonable price.

For my family’s peace of mind!
When an accident happens, AXA Direct provides consolation money for the injury as well as cosmetic surgery for children and support for serious disabilities. In the tragic event of the insured’s death, AXA Direct will support the insured’s children’s education expenses. (Note that education expenses will only be paid for children 19 years of age or younger, and you must purchase the special clause.)
AXA Direct will provide the money to buy a new car (sum insured), not simply the repair costs. (Note that to receive the sum insured, you must purchase the special clause.)
* Only within 12 months after the initial car registration and only when the cost of repairing the insured car damaged in an accident exceeds 60% of the sum insured
AXA Customized Car Insurance |' More Protection' package
Do you want to be
covered in all situations?

Providing essential coverage for people
looking for more comprehensive coverage at a reasonable price

Your worries are gone when you choose
multiple-coverage!
AXA Direct will provide the money to buy a new car (sum insured), not simply the repair costs. (Note that to receive the sum insured, you must purchase the special clause.)
* Only within 6 months after the initial car registration and only when the cost of repairing the insured car damaged in an accident exceeds 70% of the sum insured
You’re even covered if you die while riding a bus (if you subscribe to the special clause).
AXA Direct Customized Car Insurance |' Entry Driver' package
Are you an inexperienced
driver who has never been
in a car accident?

Providing essential coverage for new drivers
at a reasonable price

AXA Direct Customized Car Insurance |' Schooling' package
Do you drive with
your children several times a day?

Providing essential coverage for the safety
of your children at a reasonable price

Keep your children protected at all times!
AXA Direct provides consolation money for the injury as well as cosmetic surgery for children and support for serious disabilities. In the tragic event of the insured’s death, AXA Direct will support the insured’s children’s education expenses. (Note that education expenses will only be paid for children 19 years of age or younger, and you must subscribe to the special clause.)
AXA Customized Car Insurance |' Precious Time' package
Are you too busy to
handle accidents?

Essential yet reasonably priced coverage for people who value their time

 
AXA Direct will provide the money to buy a new car (sum insured), not simply the repair costs. (Note that to receive the sum insured, you must purchase the special clause.)
* Only within 12 months after the initial car registration and only when the cost of repairing the insured car damaged in an accident exceeds 60% of the sum insured
AXA Direct Customized Car Insurance |' Save More' package
Do you like to
cut down on costs?

A policy for people looking for reasonable coverage at a reasonable price

Focusing only on essential coverage!
Coverage includes Bodily Injury Liability Ⅰ Coverage, Bodily Injury Liability II Coverage (unlimited), Property Damage Liability Coverage (KRW 100 million), Own Bodily Injury I Coverage (KRW 30 million), Uninsured Car Coverage, and Emergency Service.
AXA Direct Customized Car Insurance |' Baby in Car' package
It’s more dangerous
when there is a child
in the car!

Essential yet reasonably priced coverage for people
like you who are concerned about a child in the car

For the safety of your children!
AXA Direct provides consolation money for the injury as well as cosmetic surgery for children and support for serious disabilities. In the tragic event of the insured’s death, AXA Direct will support the insured’s children’s education expenses. (Note that education expenses will only be paid for children 19 years of age or younger, and you must subscribe to the special clause.)
AXA Direct Customized Car Insurance |' Best Driver' package
Even if you’ve never been involved in an accident
before, there is nothing
you can do in a public
transportation accident!

Essential yet reasonably priced coverage for people
like you who want to be covered in the event of a
public transportation accident

You’ll be covered even when you’re not in your car!
You’ll be covered even if you die while riding a bus (if you subscribe to the special clause.)
Bodily Injury Liability I Coverage(compulsory Insurance)
  • If a person is killed or injured as the result of an accident caused by an insured car identified in an insurance policy while the insured owns, uses, and manages the insured car, compensation will be made within the limit stipulated by the Act on Guarantee of Compensation for Loss Caused by Automobile.
    Bodily Injury Liability Coverage I (Compulsory Insurance)
    Category Accidents before 3/31/2016 Accidents after 4/1/2016
    death/disability KRW 100 million KRW 150 million
    injury KRW 20 million KRW 30 million
Bodily Injury Liability II Coverage
  • If a person is killed or injured as the result of an accident caused by an insured car identified in an insurance policy while the insured owns, uses, and manages the insured car, compensation will be made for the loss that exceeds the amount covered by ‘Bodily Injury Liability I Coverage’ within the sum insured mentioned in the insurance policy.
    • Sum insured: You can choose from the following: KRW 50 million, 100 million, 200 million, 300 million or unlimited per victim.
Property Damage Liability Coverage (compulsory Insurance)
  • If an accident involving an insured car identified in an insurance policy causes the loss of or damage to another person’s property while the insured owns, uses, and manages the insured car, compensation will be made within the sum insured mentioned in the insurance policy.
    보험 가입 예시표
    Category Sum insured
    Accidents before 3/31/2016 You can choose from the following: KRW 10 million(Obligation), 20 million, 30 million, 50 million, 100 million, 200 million, 300 million,
    or 500 million per accident.
    Accidents after 4/1/2016 You can choose from the following: KRW 20 million(Obligation), 30 million,
    50 million, 100 million, 200 million, 300 million,
    or 500 million per accident.
Own Bodily Injury I Coverage (Own Bodily Injury II Coverage)
  • If an accident involving an insured car identified in an insurance policy causes the death of or injury to the insured while the insured owns, uses, and manages the insured car, compensation will be made.
    Own Bodily Injury Coverage I (Own Bodily Injury Coverage II)
    Own Bodily Injury I Coverage Own Bodily Injury II Coverage
    (stronger coverage)
    Sum insured
    against death
    Sum insured
    against injury
    Sum insured
    against death
    Sum insured
    against injury

    Choose one of the following:
    Up to KRW 15 million
    Up to KRW 30 million
    Up to KRW 50 million
    Up to KRW 100 million

    Choose one of the following:
    Up to KRW 15 million
    Up to KRW 30 million
    Up to KRW 50 million

    Choose one of the following:
    Up to KRW 100 million
    Up to KRW 200 million

    Choose one of the following:
    Up to KRW 10 million
    Up to KRW 20 million
    Up to KRW 30 million
    Up to KRW 50 million

  • If you subscribe to 'Own Bodily Injury Ⅰ Coverage', compensation will be made for disability within the limits set by the injury grade or disability grade.
Uninsured Car Coverage
  • Compensation will be made if the insured is killed or injured by an uninsured car or a hit-and-run car.
    • Compensation will be made for the actual damage of up to KRW 200 million for each insured individual. (up to KRW 500 million if you subscribe to special clause for additional coverage against injury by an uninsured car)
Own Car Damage Coverage
  • Compensation will be made for the damage directly caused to an insured car identified in an insurance policy due to an accident while the insured owns, uses, and manages the insured car.
    • Compensation will be made within the sum insured mentioned in the insurance policy.
    • In case you subscribe to the “Car-to-Car Crash and Theft Coverage”, the loss caused by the crash and theft is covered only if the owner or driver of the other vehicle is identified.
    • Deductible: 20 or 30% of the loss amount caused by the accident of the insured car will be deducted. The maximum deductible is KRW 500,000, and the minimum is the amount equivalent to 10% of the property damage threshold for premium surcharge identified in the insurance policy.
    • E.g., If the property damage threshold for premium surcharge is KRW 2 million, the minimum deductible will be KRW 200,000, and the maximum deductible will be KRW 500,000.
    Own Car Damage Coverage
    Car damage If the deduction rate is 20% If the deduction rate is 30%
    Deduction rate calculated amount Insured deductible Deduction rate calculated amount Insured deductible
    KRW 500,000 KRW 100,000 As it is smaller than the minimum,
    KRW 200,000
    KRW 150,000 As it is smaller than the minimum,
    KRW 200,000
    KRW 1.5 million KRW 300,000 As it is greater than the minimum and smaller than the maximum,
    KRW 300,000
    KRW 450,000 As it is greater than the minimum and smaller than the maximum,
    KRW 450,000
    KRW 3 million KRW 600,000 As it is greater than the maximum,
    KRW 500,000
    KRW 900,000 As it is greater than the maximum,
    KRW 500,000
Do you want to see more details of products and/or more information on uncovered damages?
Public Announcement Office for Insurance Products
View details for
currently available products
  • Have a safe trip with Temporary Driver Special Clause!
    AXA Direct will cover accidents occurring while a temporary driver was driving regardless ‘Driver’s Age Special Clause’ or ‘Driver’s Range Special Clause’.
  • Period
    Up to 30 days during the insurance period of policy
  • Driver
    Anyone who has the legitimate driver license
  • ※ When “Temporary Driver Special Clause” period ends, your driver’s age and range will automatically return to the previous ones.

  • ※ You can choose the effective date from tomorrow. Please make the change one day before the starting date.

  • Named Insured Only (limited to 1 person)
    Only the insured may drive the car. This results in the lowest possible premium.
  • Married Couple Only (limited to a designated couple)
    Only the insured and the insured’s spouse may drive the car. Common law marriages are eligible.
  • Family Only (siblings excluded)
    Both the insured and the immediate family may drive the car. The insured’s spouse, parents, the spouse’s parents, adoptive parents, step parents, adopted children, step children, sons-in-law and daughters-in-law are included, but the insured’s siblings are not included.
  • Family Only (siblings included)
    All family members and the insured’s siblings may drive the car.
    (However, the insured’s spouse’s siblings are excluded)
  • One Plus One (the insured + one other person)
    The insured and one other person designated by the insured may drive the car. The insured’s spouse is excluded.
  • ※ If drivers that do not fall within the selected range and age are involved in a car accident, only Bodily Injury Liability I Coverage (compulsory insurance) will apply. Please keep this in mind when you subscribe.

  • You can save on your premiums by limiting the age of eligible drivers.
    The age of the persons who will drive the car, including the named insured, can be limited to a set minimum age. As the specified age increases, the premium decreases. The specified age refers to the age according to the birth date on the resident registration card as of the accident date. If an accident occurs while someone under the specified age is driving the car, it will not be covered. (E.g., If the minimum age is set at 26, accidents will be covered only if the driver’s age is 26 or older at the time of the accident)
  • Feel reassured when you have to use a proxy driver service!
    AXA Direct will cover you against accidents occurring while a proxy driver was driving. If an accident occurs while the insured was riding in his/her insured car being driven by a proxy driver, this special clause will cover the insured. In this case, the Driver's Age Special Clause and Driver's Range Special Clause do not apply.
  • Have you ever left the headlights on all night, and the car wouldn’t start the next morning? You’ve probably experienced this once or twice.
    However, depending on the length of insurance period, different service limits apply. If the insured uses all services to the limit, this special clause will automatically be terminated, and the service will be provided on a charged basis after the termination.

    ※ Number of service requests you may make

    If your policy’s inception date is before November 4, 2015 Insurance period Less than 1 year 1 year
    Number of service requests you may make 3 5
    If your policy’s inception date is November 5, 2015 and thereafter Insurance period Less than 2 months 2-4 months 5-7 months 8-9 months 10 months or longer
    Number of service requests you may make 1 2 3 4 5
  • 24-hour emergency road services
    If you call 02-3479-3030(no area code needed) from anywhere in the country at any time and ask for emergency road services, AXA Direct will quickly arrive on the scene.
  • GPS location tracking service
    Our emergency road service staff will be dispatched after confirming your location through your mobile phone.
    Emergency towing / emergency fueling / battery charging / tire replacement / unlocking / emergency rescue
  • If the insured is criminally liable because he/she killed or seriously injured others while driving the insured car, AXA Direct will cover the settlement for criminal cases.
    If the driver caused a fatality: KRW 30 million
    If the driver caused class 1 through 7 injuries and/or other serious injuries: KRW 3 million to 15 million
Do you want to know more details of special clauses and/or more information on uncovered damages?
Please feel free to Submit a free consultation on the main page.

Notification

팝업 닫기
  • Entries such as your name, resident registration number, and car plate number
  • Driver’s range
  • Driver’s age
  • Compensation you may receive when an accident occurs
  • The insurance policy and terms and conditions you receive contain important information about the insurance contract. Please read these documents thoroughly and store them in a safe place where they cannot be damaged.
  • If there are any errors or typos in the insurance policy, please send an e-mail to global.service@axa.co.kr.
  • If the insurance policy does not arrive within 15 days after conclusion of the contract, please send an e-mail to global.service@axa.co.kr and we will send it again.
  • If your address has changed
  • If your car plate number has changed
  • If you replaced the car
  • If you subscribed to an insurance before the car plate number was confirmed, and it has subsequently been confirmed
  • If there have been some changes to the initial contract (driver, age and use of car)

If there are other changes to the contract, you should notify AXA Direct. If you are involved in an accident while driving without notifying the company of such changes, you might not be able to receive an insurance payment.

  • A policyholder may withdraw the subscription by expressing such intention within 15 days after the insurance policy arrives.
  • However, if more than 30 days have passed the subscription date, you cannot withdraw the subscription. In addition, in the case of compulsory insurance, insurance contract with the insurance period of less than 1 year, and insurance contract concluded by “professionals”, subscription cannot be withdrawn.
  • Insurance contracts are protected by the Korea Deposit Insurance Corporation according to the Depositor Protection Act. The protection limit is KRW 50 million per person, which includes the cancellation refund (or either the insurance payment at maturity or accident insurance payment) for all of your financial products from AXA Direct as well as any other payments. Amounts in excess of KRW 50 million will not be protected. If the policyholder is a corporation, insurance contracts are not protected by the Korea Deposit Insurance Corporation according to the Depositor Protection Act.
  • If there is a dispute regarding how AXA Direct handles its business, please contact our compliance team. If the dispute is not resolved, you can apply for dispute mediation with the Financial Supervisory Service.
  • If the policyholder cancels an existing insurance contract and subscribes to another insurance contract, AXA Direct may increase the premium, change coverage details, or refuse to underwrite the insurance altogether.
  • Please see the product summary and terms and conditions before concluding an insurance contract.
    Phone: (without area code) 1332 / Representative phone: 02-3771-5114