When I look back now, this claim in Iceland was actually okay for me. The key point is that I had bought AXA Full Coverage. Without it I think I would still be worrying about that money. I booked the car on QEEQ. Around the end of March I picked up the car around March 27 at noon in Reykjavik. It was a Mitsubishi Eclipse Cross from FAIRCAR, an automatic small SUV with four doors and five seats. I returned it around April 2 in the morning in Reykjavik. The most stressful part started after I returned the car. One day the car got scratched by a third party. The wind was strong and the road side was a bit messy. When I got out to check the car I kept thinking in my head, this is bad, they will charge me a lot. Later the staff at the car rental told me they did not charge me for car damage. They only called road rescue and I just paid that road rescue fee. I was a bit confused. I was worried they might still charge me later and I also wondered if my AXA Full Coverage could really pay me back this money. I started to look for all my papers. I checked the contract and emails. Then I found the contract seemed not very complete and I got nervous. I was afraid the claim would be stuck on this point. The rental company only sent me one email about the damage on the car. I saved a screenshot of that email. In my mind I kept asking myself if they would accept this screenshot and if I should go back to the rental desk to ask for more papers. Then I contacted their customer service and explained that I paid only the road rescue fee and that the rental company kept saying there was no damage fee taken from me. I asked if this would be a problem. The people who talked with me sounded calm and it felt like they were checking many things in the background. What I could do was just send more documents. I gave them the contract, the screenshot of the damage email from the rental company, and I explained again that I only paid for road rescue and there was no extra car damage charge on my side. At one point I saw a notice about canceling the claim and my heart dropped. I thought I clicked something wrong or my files had some big problem. Later they explained to me that the claim had already been reported and told me I did not need to worry too much. Those days I kept checking again and again because I was scared that I missed some step. The insurance side asked for the amount, the currency, photos and also wanted to confirm if there was any other cost besides the road rescue fee. I went through everything and answered all of that as clearly as I could. I also said that I wanted the payout in GBP because I came from the UK and it is easier for me to use. They passed this request to the insurance company too. That period of time was a bit annoying for me. I kept worrying if the report failed, if the files were not enough or if the claim would drag on for a long time. When they finally told me that the insurance company had approved the claim I felt much lighter inside. In that moment I really understood how lucky it was that I chose AXA Full Coverage when I booked. It did not only cover car scratches. It also covered this road rescue cost. For someone young like me this is important. When I travel my budget is not very big and sudden costs like this can put a lot of pressure on me if nobody pays it back. The whole process felt like handing in an exam paper and waiting for the result. My brain ran many crazy ideas in the middle and then I found out I passed and even got some extra points. When I think of those days in Iceland now I remember the strong wind and the amazing views and also this small accident. With this coverage behind me my mind did not break down so badly.
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