I will start with the problem. On this trip I booked my car through QEEQ and the most stressful moment was when I saw a new dent on the car. I was alone in Warsaw and I had parked the Toyota C HR from Wheego near my place. When I walked around the car I saw a clear dent near the back door. Under the light it was very obvious. My heart just dropped and the first thing in my mind was that this might cost a lot of money. I had arrived in Warsaw on the evening of February 26 and picked up the car close to midnight. I was dragging my suitcase to the counter and I was actually quite excited when I got the keys. It was automatic and looked pretty new. When I booked it I added AXA Full Coverage. I did not think too much. I just wanted to feel safe and thought a full coverage would help. I did not know that this choice would save me a big amount later. The moment I noticed the dent I kept trying to remember where it could have happened. Maybe someone hit my car when it was parked. Maybe I got too close to a curb. The more I thought about it the more nervous I became. I stood next to the car for a long time and took many photos with my phone. I felt they were not very clear but I was afraid if I did not take them I could not explain anything later. If I jump to the return day it was around the afternoon of March 2. I drove back to Warsaw a bit early because I wanted to return the car and then rest. At the return point the staff checked the car. When he saw the dent he stopped at once. He bent down to look at it then stood up and looked from another angle. Then he told me very directly that this would be charged and it would not be cheap. I was a bit shocked. I tried to explain that I was careful when I drove and I was not even sure when it happened. But I also knew in my heart that if the damage is there during my rental it would still count on me. They quickly gave me a damage form. It was mostly in Polish and some numbers. The only part I really understood was 2400 PLN. When I saw that amount my hands started to sweat. I did a quick change in my head and knew it was a few hundred pounds. As someone traveling alone that was a big pressure. I felt nervous and also a bit upset but at the same time I was glad I had bought that full coverage. After I went back to where I stayed the pre authorization on my credit card soon turned into a real charge. I saw the charge of about 2400 zloty in my banking app. I stared at that line for a long time and felt quite heavy inside. Then I calmed down and began to collect what I needed because I knew I had AXA Full Coverage and this should be covered. I put together the damage paper from the rental company the photos I took and also a screenshot of the credit card charge. The photos were really not very clear because the light at the parking place was bad. I worried that no one could see the dent properly and I kept thinking about that. The support team contacted me and asked me to send all I had. They also told me that I did not need to wait for the end of month card statement and that the charge screenshot was fine. That small detail helped me relax because I had been thinking I might need to wait many weeks. Some time later they told me the rental company had sent clearer photos of the damage. When I heard that I felt much more safe. At least it was not just me trying to explain. The rental company also provided proof. Then they confirmed the claim amount and said it would follow the actual 2400 PLN that the rental company took. I wrote down the number and again changed it in my head to pounds and felt this strong hope that the money would come back soon. Because I live in the UK my bank details were a bit messy. At first I gave a Halifax account and then I changed it to a Revolut account. They also needed IBAN and the full bank address. When I changed the bank information I was worried I would make things complicated and the payment would be delayed. But they kept checking every detail with me and only moved on after it was clear. I could feel that they were really trying to help me finish this right and not just push the problem away. When I got the message that the claim was approved and that 2400 PLN would be paid back to me I finally let out a long breath. The feeling of my heart hanging in the air for days just went away. The amount that the rental company took was now coming back from the insurance side. I opened my banking app and when I saw the incoming payment I checked the number again to make sure nothing was missing. When I think about it now if I had not bought AXA Full Coverage at the start I would have had to pay for this dent completely by myself. I know I would have felt bad about it for a long time. This time there was some stress and some back and forth with the bank details but for someone traveling alone it was a big support. Even when something bad happened in another country I did not have to face it totally alone. There was a clear way to get my money back and in the end it did come back. That experience showed me that this insurance is not just a small extra option. It really stands up for you when things go wrong and it pays back every cent they said it would. For me that is enough to keep choosing this kind of cover with them in the future because I have seen with my own eyes that it actually works.
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