We had a bad experience with Pacifica. We were sold the insurance by Britline who assured us that the home cover was comprehensive. When we were just ready to leave for UK, we turned on the windscreen wipers, it was throwing it down, and they did not work.
We 'phoned Pacifica who told us that we were not covered for electrical problems on the home start and to go out onto the Route Express, a lorry short cut, with no windscreen wipers and drive for 40k and then they would help us. They also told us that as it was a Sunday it would be difficult to find someone to help. I told them that I paid my premium for a full year!
We eventually were helped by the local 24 hr breakdown and got going about two hours late.
Not just AXA.