I booked my car in Nagoya through QEEQ and at first I felt the extra insurance was just for peace of mind. I did not think I would really use it. The problem happened about two days before return around May 31 in the afternoon. I was driving a Toyota Aqua and I was backing up on a narrow street in Nagoya. The rear side hit something on the side. I heard a small sound and my heart dropped. My first thought was that I would need to pay a lot of money. I got out and checked the car. There was a clear scratch on the back and some paint was gone. In Japan I knew this kind of thing would not be cheap. At the return counter the staff checked the car very carefully. They took photos and wrote notes. They told me the damage could be many tens of thousands of yen. I stood there while they checked and I kept doing the math in my head to Singapore dollars. My mood for the whole afternoon was very heavy. After the return the rental company later confirmed the cost was around 80,000 yen. There was repair cost and also loss of use fee. I felt quite stressed because 80,000 yen is not a small amount for me as an overseas visitor. At that moment I really understood how important the AXA Full Coverage was. I kept all the papers from the rental company and then I contacted their customer service. I explained what happened and sent them the repair invoice and other documents. In the next days I was still a bit worried. I kept thinking maybe they only pay part of it or maybe it will take very long. They also asked me again to confirm my bank account because I live in Singapore and the transfer was international. I was also afraid there might be some problem with the bank so I even gave another account. One morning I woke up and saw messages and email saying the claim amount of 80,000 yen was confirmed and sent. I opened my banking app and saw the money really arrived. In that moment I felt a big weight was gone. When I think back now I feel that without this insurance my memory of Nagoya might become only bills and pressure. There was some anxiety in the process but the full 80,000 yen from the rental company was covered and paid back. For someone like me who had an accident for the first time in Japan this was a big relief.
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