I have to say this first. If I did not buy AXA Full Coverage with QEEQ, I would probably pay those bills in many parts now. The result was good in the end, but the middle part felt like one problem after another. I picked up the car in Nelspruit in South Africa on an afternoon around February 11th 2026 at about three. It was a Toyota Rumion from Europcar. Manual, four doors and five seats. I was traveling alone. I thought it would be just a normal self drive trip. Then the first car started to go wrong. That day the wind was crazy. The speed on the road was not low. I sat in the car with my bag and the window open so I could look outside. The wind got stronger and stronger. My bag was blown out. The car key was inside the bag. I was shocked. It did not feel like someone’s fault. It was just this thing that happened so fast that I could not stop it. With the key gone there came towing and other costs. The rental staff made a long bill. I only remember my heart beating fast when I saw the tow fee and the damage fee. Before I could calm down from this first car issue, the second car had an accident on the road. Another high damage cost. In that moment I had only one thought. With my student level budget there was no way I could pay all of this by myself. I was really glad that I added AXA Full Coverage when I booked. The rental counter only did their job and charged money. What I could do was collect every paper and send them to the customer service team. The invoices were in South African Rand. When they were changed into euro later I was already numb. I just knew the total was around two thousand plus euro and it looked scary. For a while I spoke a lot with the support team. I tried to explain the first car key story very clearly. I said again and again that it was strong wind and the car speed together. The bag was blown away. It was not me being careless on purpose. I also said the key cost should not be covered only by a very small limit because the real cost was much higher. They did not argue with me. They did not push the blame to me. They told me they would pass my words to the insurance side to review. At the same time I had to ask the rental company for all kinds of documents. Some invoices showed costs for both cars. I checked line by line because I was afraid to miss anything. For me, a person who already feels tired reading long English contracts, those days felt like doing homework and being scared to make mistakes. One day I got the message that the claim was paid. When I saw that the payout was about 2341 euro and that it basically covered the damage and tow costs from both cars, I let out a long breath. Those big bills that could crush me were now covered by the insurance. My solo trip did not turn into a total money disaster. When I think about it now, if I only had the basic insurance from the rental desk, things like the lost key and the tow fee would be mostly on me. With AXA Full Coverage these parts were paid back. The process was tense and a bit tiring, but in the end getting that compensation made a huge difference for me as a solo traveler who does not have a lot of money.
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