When I think about it now I feel really lucky that I bought AXA Full Coverage when I booked with QEEQ. If I did not buy it this rental accident in New Zealand would hurt my wallet for a long time. I arrived in Queenstown around the evening of April first. The air was very fresh and the mountains still had a bit of snow. At the Ezi counter I got a Toyota RAV4 with automatic gear. The car felt smooth and easy to drive. I was in a really good mood and I even told my friend that this time I chose a very nice car. After a few days I was in a parking area and I was backing up the car. I judged the distance wrong and the right side of the car touched something. I heard a sound and my mind just went blank. I got out of the car and saw clear scratches on the door and the side. It was not a huge accident but it was obvious that it would cost money to fix. My heart sank and I thought I was in trouble because I knew this would not be cheap. I still kept driving but I was more careful. On April nineteenth around noon I returned the car in Auckland. The staff at the Ezi counter checked the car and saw the scratch and called me over. He was calm and professional and told me there would be a damage charge. I started to feel nervous because I know repairs in New Zealand are expensive. When I later saw my credit card charge I almost broke down. The amount was more than four thousand in Australian dollars. It was much higher than I expected. Later the rental company refunded part of it but the rest still felt heavy for me. At that moment I really understood how important that AXA Full Coverage was. I started to collect all the things I could. I saved the damage report from the rental company. I checked my bank records for the big charge. I also found the photos I took of the scratch and the refund records from the rental company. To be honest it was a bit annoying to prepare all of this because I am the type of person who likes to delay things. But this time it was about more than one thousand Australian dollars so I forced myself to do it one by one. The support team asked me to send the photos and the bank statements. I followed their steps and sent what they needed. I do not really understand how insurance works so I just tried my best to give every document I had. At first I was not even sure about the final claim amount. I only knew how much was charged and how much was refunded and that the rest was what I wanted back. They also asked me for some details like my bank information and I went into my online banking to find the SWIFT code and the refund entries. I was a bit worried while I checked every line in my statement because I did not want to make a mistake and lose the money. After I sent all the documents I still felt a bit unsure because the amount was not small and this was my first time to deal with a situation like this. Every time I looked at my credit card bill I felt like this big number was sitting there and pressing on me. Some days later they told me that AXA Full Coverage had approved my claim. They said they would pay me a bit more than one thousand four hundred Australian dollars based on the case I gave them. When I saw this message I felt a huge relief. It was like the tight string in my mind finally became loose. When the money arrived I checked the amount and it matched the part of the damage that I still needed to cover. So in the end most of the cost that the rental company took from me was filled by this payout. I think if I did not buy this insurance that small scratch would become a very heavy problem for me. I am still a young worker and my income is not very high so more than one thousand Australian dollars is a big thing for me. AXA Full Coverage helped me a lot and made me feel that someone had my back. The whole process needed many documents but for me the final payout made all the effort worth it. Now when I look at the photos of the scratch I still feel a bit sorry for that mistake. At the same time I also learned that when I rent a car I should not skip extra protection like this. After this experience I feel more willing to add this kind of coverage again because when something bad happens I know I do not need to face it all by myself.
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