I have to say if I did not buy AXA Full Coverage when I booked on QEEQ my business trip in Bali would be a mess because of the car damage. I flew there from the US and picked up the car around the afternoon of May 4, about one pm. It was a Toyota Agya from Easy Rent Bali with automatic gear. The car was small and easy to drive and the first few days everything was fine. I even thought in my head that this trip was going very smooth. Close to the return day things went wrong. It was around the afternoon of May 10 about four pm. I parked the car and went to a meeting. When I came back I saw a long scratch on the side of the car. My heart just dropped. In my mind I said this is bad I will need to pay a lot of money now. The staff at the rental counter checked the car. They told me there was a scratch and I had to pay a pretty big charge. I paid it with my credit card right there. I felt really upset but I had no choice. On the way back I suddenly remembered that I had bought AXA Full Coverage. I started to think if this insurance is real and if it can pay back my damage. So I contacted customer service and told them what happened. They were calm and told me I needed to provide some documents. Those days I was busy with work and also busy with the claim. I was looking for the rental contract and then for the credit card slip. I was afraid I would miss something. I even got the currency wrong. I wanted to get the refund in euro because my bank is in Europe but I filled the form with USD by mistake. I felt it was all very confusing. Later customer service reached out to me again and said the accident time and the currency needed to be corrected. I got nervous because I was scared that if I made mistakes the claim would fail. I followed what they said. I corrected the accident time to match that afternoon when it really happened and I confirmed the claim amount again in Indonesian rupiah equal to euro. They kept checking the numbers with me. I remember the final approved amount was around IDR 864968. When I changed it to euro it almost covered what I had paid at the rental counter. During that period my phone kept getting emails back and forth. It felt like I was fighting with the damage fee but actually the steps were not as hard as I thought. I was just too stressed at the start. After a while customer service told me that the insurance company had agreed to pay this amount. When I saw that number I felt so relieved. I thought it was really worth it that I paid extra for the insurance. With this experience I feel that AXA Full Coverage really works. A small but annoying problem like a scratch on a rental car still got paid back. As a business traveler this kind of protection makes me feel much safer.
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