The whole story for me started as a small side moment of my trip. I booked the car on QEEQ and picked it up in Rome at the NOLEGGIARE counter on around May 11 in the morning. They gave me a big nine seat Hyundai Staria with automatic gear. When I first sat in the driver seat I was pretty excited. The car felt new and high and I thought this drive in Italy would be very chill and easy. I drove north for the next days and around May 18 in the morning I returned the car near Milan. The drive itself was fine. The car was easy to handle and my friends and I felt relaxed. The real trouble only started when I later saw a big charge on my credit card for car damage. At that moment my mind went blank. When I handed back the car the staff at the rental counter checked the body and pointed out some scratches and damage. His face was very cold and he just said they needed to issue a final bill. I already felt nervous but I also kept telling myself that I had bought AXA Full Coverage so I should be protected. Still when money really left my card I was scared that everyone would just push the problem away. A few days later I saw a charge of more than three hundred euro. Then I heard there might be extra cost. My heart started to beat faster. I only had one damage invoice of about 350 euro. It was in Italian and not very clear. I opened my phone and tried to translate every line. The more I read the more stressed I felt. One night I was lying in bed thinking if the insurance did not pay then I would have to cover this big amount by myself. I could see myself again driving super carefully on the highway in my head. I could also see the cold face of the rental guy when I returned the car. It really made me feel bad. I contacted their customer support and sent a photo of the 350 euro invoice. I also explained that part of it was tax around 80 euro. During those days I was quite anxious. It felt like if the case kept dragging on it would just get more and more messy. A few times I thought everything was done already. Then I found out there was still some paper missing. I went through my email inbox and my phone gallery and even checked the trash folder to find any record. I was scared that I forgot one important page. Later when I talked to support again I understood that the insurance side needed a full and clear damage invoice of around 430 euro with all items listed. So I went back and asked the rental company for a complete invoice. Standing at the counter I felt a bit small. The person there looked busy and a bit annoyed. My English is just normal daily level so I could only speak in short simple sentences. I checked every line with him because I did not want to ask for the wrong thing. When I finally got the proper paper I felt so relieved. I stepped outside on the street and took many photos of the invoice from different angles because I was scared the picture would be blurry. Then I sent all of that to customer support and told them this was the full amount including tax. For the next days I kept my eyes on my email. Every time there was a new message I opened it right away. Later I learned that the insurance company was checking the claim and they had a question about the payout currency if it should be in euro or in INR. When I read that I got nervous again. I did not want any problem with exchange rate or some strange advance payment. I just wanted the refund in euro because it is clear and simple for me. So I said very clearly that I wanted euro. After a short while they told me that the insurance had approved the claim under AXA Full Coverage and the refund would be paid in euro. At that moment it felt like I finally got through a long tunnel. My mind jumped back to many small moments. The first day in Rome when I joked with my friends that having full coverage made me feel safe. The moment in Milan when I heard I had to pay a big amount and felt my stomach drop. The endless photos and emails after that and each tiny correction on the documents. When the support told me the money would go to the bank account I had filled in the form I felt the heavy stone in my chest drop away. Later I scrolled through my phone and found the very first picture of the damage invoice. It looked a bit funny to me and at the same time a bit scary. I kept thinking that if I did not buy AXA Full Coverage I might still be worrying about this bill now. For me this whole experience made the insurance feel like a real safety net. When the bad thing happened it was not just a few words in a contract. It turned into a real payment that pulled me out of a very stressful situation and let me enjoy my memories of the trip again.
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