J

jay Toyting

Canada

July 1, 2026

AXA Full Coverage

I booked my car with QEEQ and at first I felt pretty relaxed about the whole thing. I picked up a Jeep Compass from Dollar in Calgary on June 5th 2026 around 4 pm. It was automatic and had four doors and five seats. The car looked quite new. When I made the booking I also added AXA Full Coverage. I just thought it would make me less worried about scratches or broken glass. At the rental counter the staff gave me the keys and some papers to sign. I did not think too much. I felt like nothing bad would really happen. The day something went wrong is still in my head. I had already used the car for several days maybe around June 12th. I parked the car in an outdoor parking lot. It was windy that day. When I came back I saw clear damage near the door. There was a big scratch and a small dent. I stared at it and talked to myself quietly saying this is bad I will need to pay a lot. I checked the glass and the tires and they were fine but that damaged part was still very obvious. I went to talk to the rental staff. I told them the car got scratched. The person from the counter was normal in attitude. He came to look and took some pictures. Then he wrote a damage form and asked me to sign it. I asked if it would be very expensive. He could not tell me clearly and just said they would charge by their rules. That made me more nervous. When I returned the car around June 14th at about 4 pm in Calgary I did not feel relaxed at all. The staff checked the same damage again and looked at the damage form. I nodded and answered his questions. In my head I was calculating. If it was hundreds of Canadian dollars or more it would really hurt my budget. After I gave back the car I went back to where I stayed. I started to worry about what would happen next. At that moment I felt really glad that I had bought AXA Full Coverage before. Without it I would be scared to even think about the bill. I kept the damage paper and the photos from the rental company and waited for someone to contact me. Soon the customer service team reached out to me. They asked me about what happened. I was a bit nervous because I did not want to explain in a confusing way. So I told the story again from the day I found the scratch. After listening they asked me to send the damage form and the photos. I felt a little better. I thought at least someone is helping me with this. I did not feel so alone. In the next days we had a few more talks. One time they asked me about the currency of the damage fee and also wanted some clearer photos. I was afraid to make a mistake so I checked the paper from the rental company several times. I made sure it was in Canadian dollars. Then I picked some better photos and sent them. I looked at the pictures of the scratched door many times on my phone. The more I looked the more annoyed I felt but I also knew the pictures were needed for the claim. During those days I also talked about it with my friend. I told my friend the car was damaged and I said I was lucky to have that full coverage. I said without it this would be a disaster for me. My friend agreed and said at least it was not a big crash and I did not hit something myself. That made the situation less awkward. I kept checking my email and messages. I really hoped it could be solved soon and not take forever. At one point the team told me the insurance side was looking at the documents and there was a small issue with the email and they had to send things again. When I heard that I felt a bit speechless but there was nothing I could do. I just thought okay I will wait more. The documents were already sent and I had to trust them. In our chats I would also ask if it looked like the claim could be paid. The answers were simple but they made me feel they were still working on it and not just leaving my case aside. After a few more days around the end of June I finally got a message saying the insurance company had confirmed the claim. When I saw that message I felt a big load fall off my shoulders. My whole body relaxed at once. I asked again to make sure they really meant it was approved. The reply was clear. I sat on my chair and looked at my phone and I had only one strong feeling. I was really glad I had AXA Full Coverage. Looking back at the whole thing from picking up the Jeep Compass on June 5th in Calgary to returning it around June 14th and then slowly talking with the rental company and the insurance side it feels like a long side story. At the start I just thought full coverage is good for peace of mind. I did not expect to actually use it. The moment I saw the scratch I was very upset. It almost broke my good mood for the trip. Step by step I sent in the papers and photos and then waited for updates. With every small progress I felt a bit more calm. When I finally heard that the claim was confirmed it felt like the problem had really left my life. I am not the type of person who studies insurance terms in detail. This time I simply saw how this kind of coverage can help in real life. I was not shocked by a huge bill from the rental desk and I did not have to fight alone. I just prepared what they asked for and they kept following my case and gave me news when the claim was set. As a young driver this experience already feels quite good to me.