AXA is known has a solid company. The price for insurance cover should reflect the solvency of AXA. If you want a cheap cover don't buy AXA, but also don't complain if the cover is not sufficient in case of claim. I want to be covered, not to use the insurance but to be safe in case of catastrophic event in my life. One problem of AXA is digitalisation and information to customers, that through App and internet does not really work. It is simply impossible to get on-line premium report from AXA for the taxation office. I have to puzzle the information and call the company each year. Another draw back is the communication in case of claim. The detection of fraude versus sincere declaration at claims, is not really clever from AXA. If the Germans do not trust each other, ***, the Germans should not forget that establishing a relation based on trust with the claimant, allow deeper connection and easy detect cases of fraude from sincere declaration.