Let me complain first. When you travel alone and rent a car, you really do not want bad things to happen. I booked a car on QEEQ with ACE Rental Cars in Perth. I arrived at the counter around the morning of July 3 and picked up a grey Toyota Camry. It was automatic, four doors, five seats. The car felt smooth to drive. In my mind I was like, I bought AXA Full Coverage so I should be more relaxed. But even with that, the car still got damaged. How did it get damaged? I was driving alone and the road was not very familiar to me. When I parked, I made a bad judgment and the side of the car scraped something. Later I also noticed some problem near the tire. I was shocked at that moment. I took photos for proof and then followed what the rental counter staff told me, just tried to handle the car first. Around the afternoon of July 10 when I returned the car, the staff checked it carefully. They saw the damage and started to calculate a bunch of fees. How much was it? At the start I only knew it was several hundred AUD. Later when the bill came, I saw the rental company charged me more than nine hundred AUD and then there were card fees and tax. My credit card bill showed almost eleven hundred AUD. As a solo traveler my budget is not very big. When I saw that amount, I only felt pain. So my first question was, can AXA Full Coverage really help me? Can it help? I contacted them right away. I sent all the photos, the papers from the rental counter and screenshots of my card charges. To be honest it was a bit annoying to do all this alone, but I did not want to just accept the loss. So I slowly prepared every file. They asked me some questions like if I had other cards charged and if the amounts matched. I checked my bills and the numbers and answered based on what I could see. How much money was involved? I remember on my credit card the total charge from the rental side was a bit more than one thousand AUD. They also had their own damage amount calculation. My idea was very simple. I just did not want to pay everything by myself. I asked more than once how much they could cover because every dollar matters to someone traveling alone like me. Was the claim process hard? At the start I was scared it would be very complicated. Later I saw that as long as I gave enough proof, things kept moving. They asked me to confirm the amount and the currency. I checked it with my bill. For a few days I was thinking they might only pay a small part or take a very long time. During that time my card still showed that big charge. I felt uncomfortable and felt like I was paying a very expensive lesson for a parking mistake. What was the result? They finally sent me a message saying the claim amount was confirmed and they could pay me enough to cover the damage fees. When I saw that the numbers matched, I really let out a big breath. It felt like even though I drove not carefully this time, at least I was not hit too hard in my wallet. When you travel alone, having this kind of insurance behind you makes you feel safer. How do I see this now? If you ask me if AXA Full Coverage is worth it, I will say yes very clearly. For solo travel like mine it is quite important. The rental counter staff only follows their rules and numbers. They do not care if you feel sad or stressed. With this extra insurance, at least I have someone to talk to, I can show my proof, and I can try to protect my money. This trip in Perth where I rented a car, drove, had damage and then solved it feels like a very real lesson to me. I still remember the way the staff at the counter spoke very calmly while telling me the big amount. Then I compare that to the feeling when I saw the claim approved and paid. The difference is huge. At first it was tension and pain, later it became calm again. When you are alone outside your own country, sometimes you do not have many things to rely on. This time I really felt how useful a full coverage insurance can be when something goes wrong.
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