When I think about this claim in Iceland I still feel quite calm now. I booked the car through QEEQ and I picked it up around the morning of March 12th 2026 in Reykjavik. It was a Suzuki S cross. The car looked pretty new and the rental counter staff were normal and efficient. I finished the paperwork and drove off to handle my business schedule. The real problem came a few days later. I was driving outside the city. The sky was a bit grey and the wind was strong. There were some small pieces of ice and tiny stones on the side of the road. I even thought in my head that in a place like Iceland the roads can be good but the glass always depends on luck. Then something small hit the windshield while I was driving. It made a clear sound and I saw a thin crack appear on the glass. For a moment I was just shocked. My first thought was that I would have to pay a lot of money for this. I parked the car safely and checked the windshield. The crack was not huge but it was not something I could ignore. Then I remembered that I had bought AXA Full Coverage. I felt a bit better but I was still worried because it was my first time having this kind of problem in Iceland and I did not know if the claim would be very troublesome. On the day I returned the car which was around the evening of March 19th I went back to Reykjavik and gave the car to the rental counter staff. They noticed the windshield issue very fast and they showed me a document with the repair cost. It was a bit more than two hundred euros. When I saw the number my heart became tight again. My brain started to convert it to SGD and I felt it was quite painful for my travel budget. I confirmed what the rental company needed from me. After that I contacted their customer service team and explained the whole situation and sent photos of the bills and the damage. In my head I kept thinking that if the claim did not go well my budget for this trip would be totally broken. In the next days I was busy with work but I also checked the progress from time to time. The customer service stayed in touch and reminded me which documents I should send again. For example they told me that my passport photo should be clear and my driving license photo should show my name. I followed these tips and took new photos and sent them over. Since my bank account is in Singapore I was also worried about exchange rate issues and random fees. I did not want to lose more money in the transfer. After some time they told me that the claim amount was confirmed. The refund would follow the euro amount and be paid to my Singapore account in local currency. The final payout was about one hundred forty euros in value. When I heard that I really felt relieved. The windshield was cracked but at least my wallet did not crack with it. For me the main feeling is that this AXA Full Coverage is not just some words in a contract. It actually worked in a real case. The rental company focused on charging what they needed to charge and the claim part was handled with help from the support team and the insurer. I only had to provide the documents as clearly as I could. As a business traveler my time and energy are important and I do not want to spend all of it fighting over an insurance bill. This experience saved me from a lot of stress. There was some worry in the middle but the result was good and looking back I feel that paying extra for this coverage was really worth it.
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