Three Words

AXA · 2024

7 awards: Cannes · Clio Awards · London International Awards · ANDY Awards · +3 more

Three Words

AI Overview

AXA embedded three words—'and domestic violence'—into all 2.5M home insurance contracts in France, turning a routine legal requirement into an emergency relocation service for abuse victims. The clause supported 1,576 people in year one and shifted industry practice, moving AXA to #1 brand consideration and doubling new policy sales.

Strategic insight

Home insurance already covers uninhabitable homes; domestic violence makes homes lethal. By leveraging existing infrastructure rather than inventing new services, AXA unlocked scale: victims already call for help; contracts already trigger relocation; the system simply needed three words to redirect both.

Cultural Impact

Three Words catalyzed industry-wide adoption and consumer expectation shift. Competitors Mondial Assistance and MACIF launched competing clauses; 86% of French people now expect this standard. The campaign reshaped what insurance should cover, cementing domestic violence as an insurable risk category.

Business Result

Net new home insurance contracts more than doubled year-on-year, and AXA climbed from #2 to #1 in brand consideration. The clause extended to 3M additional corporate health contracts in January 2026, scaling impact beyond the original target audience.

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