When I think about my rental in Christchurch in New Zealand, I still feel a bit scared, but I feel more lucky. I booked the car through QEEQ and I was traveling with my kid. When I chose the car I added AXA Full Coverage. I even thought in my head that maybe I would never need it. Later it really helped me. It was around March 10 at noon when we picked up a Nissan March from Autounion near Christchurch. It was automatic and a small car. For a parent with a kid like me it was easy to drive. The first days were fine. I even laughed in my mind and felt maybe I was too careful to buy such full insurance. Then one day on the way to a supermarket, I turned in a narrow road and did not control the wheel well. The side of the car hit something by the road. I got out and saw a clear scratch on the door. My kid asked me from the back seat if the car was broken. I was very nervous inside but I tried to act calm and said we would fix it later. On the return day, around the afternoon of March 15, I went to Christchurch a bit early to return the car. The staff checked the car. When he saw the scratch his face changed. He took a paper and told me I needed to pay 1500 NZD as the excess. At that moment I was shocked. This was a lot of money for me. I was already spending a lot with my kid on this trip. I thought in my head that I was going to lose a lot this time. Then I remembered I had bought AXA Full Coverage. I felt a bit better. I still paid the 1500 NZD to the rental company first. After I left, I contacted their customer service and told them that the rental company charged me 1500 NZD as excess when I returned the car. In my mind I worried it might be very hard and need many documents. They told me they needed some papers for the damage and the payment proof. What I could do was send them what I had and wait. As a parent with a kid, I really did not want to waste time on long fights and calls. It would ruin my mood and my kid’s mood. After some time they told me they already got files from the rental company and would start the claim. When I heard this, I felt a bit relaxed. It felt like someone was watching this case for me. Later they contacted me again to confirm the currency. They said the claim amount was in NZD and asked me to confirm how I would receive the money. Normally I am not very careful with this kind of detail, but I knew this was real money. I checked the email carefully and replied. Those days I was taking care of my kid and sometimes I suddenly thought about this case. I worried that maybe I would not get paid in the end. After a while they told me the claim was approved and I would get the money back as they said. At that moment I only had one clear feeling. I was really glad that I bought AXA Full Coverage. When the rental company charged me 1500 NZD, my heart sank. It felt like my whole budget for this trip was broken. Now I could get the money back. It was like this sudden accident got covered and my pressure became much lower. As a parent traveling with a kid, I already need to think about food, sleep and fun for the child and also focus on driving safe. This accident showed me what full coverage really means. It is not just some words on a page. When you really have damage and the rental company takes a big excess, this insurance can help you get the money back. When I think about my feelings in those days, from the worry when I saw the scratch, to the pain when I paid the excess, and then to the relief when the claim was done, the whole line is connected to this insurance. Now when I look back at my Christchurch rental, I keep telling myself that next time I rent a car with my kid, I will still choose insurance like AXA Full Coverage that covers damage, glass, tires and also pays back this kind of excess. For me this time it was not some useless extra. It really helped me avoid a big loss. QEEQ gave me the chance to pick this insurance at the start, so later all these things could return to a normal track.
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