I want to start from the end. I opened my banking app and saw 1473.65 euros sitting there as a claim payment from the case. For a few seconds I just stared at the number. I used to worry I would need to pay all that by myself. That money came from the AXA Full Coverage I bought when I booked through QEEQ. So what happened before that. At the end of April I went to Milan in Italy and I booked a BMW i4 with SIXT. It was automatic with four doors and five seats. My booking said I would pick up the car on April 21 in the evening around six. I arrived a bit later when the sky was already kind of dark. The car looked pretty new. In my head I told myself I must drive very carefully this time because it is an electric car. The staff at the rental counter talked a bit about the car. I also walked around the car and checked it. I did not see any big problem so I signed and drove away. The return day was April 28 early in the morning. I got there a bit earlier than planned at around seven. The place was pretty empty. I parked the car and thought I would just give back the keys and leave. That was what I expected. But the staff member stayed in front of the car for a long time. He bent down and looked under the front bumper. Then he called another coworker to come. My heart dropped a little at that moment. I thought maybe something was wrong. After a while he told me there was a light scratch on the plastic trim under the front bumper. He said it looked like new damage and it should be on me. My first reaction was confusion. Did I really cause that. I felt I was very careful when I drove. I did not hit anything very clear. But they showed me the mark on the paper and circled that area. The spot was very low and you can only see it when you squat down. I felt a bit stunned and I did not know how to argue. I just followed their steps. They took photos and asked me to sign some papers. The staff said a damage bill would be sent to me later. A few days after I went back to my place I got an email about the damage cost. The bill said I needed to pay 1348.99 euros. When I saw that number I was really shocked. I quickly did the math in my head. In Canadian dollars it was more than two thousand. I started to ask myself questions. Should I just pay for it. Should I fight the rental company. Then I remembered I had bought AXA Full Coverage with my booking. So this is the moment when that extra service should help me right. I opened my booking again and checked. Yes I really bought AXA Full Coverage. The description said it covers vehicle damage and some parts that normal rental insurance does not cover. When I read that I felt a bit less scared. So what could I do next. I knew I needed to collect all the things I had. I had the damage invoice from the rental company. I had the rental contract. I also had the damage document they showed me. While I was putting everything together I kept thinking in my head. Are these things enough. Will the claim take a long time. Will they only pay a part of it. The amount was not small, so I was still quite nervous. Then I contacted their customer service and told them the whole story. I asked if this case was covered by AXA Full Coverage. The person made me feel more calm and said I could provide the related documents and they would help me handle the claim with the insurance side. That gave me some relief. Even so I still kept thinking. Will the money really come back. Will there be some problem later. Some time later I found something else. On one side they had an amount of 1348.99 euros in the damage bill. On the other side my bank showed a pending charge of 1473.65 euros for this case. I asked myself again what about this difference. Will anyone care about the real charge. I told the service team the exact amount I saw from my bank and I kept a screenshot. I hoped the insurance could pay based on what was really taken from my account. They contacted the insurance again. After some time I got a message saying the insurance company agreed to pay 1473.65 euros to match my bank amount. When I saw that number I finally relaxed. It felt like buying AXA Full Coverage was really useful this time. It was not just some random coverage. It actually followed my true loss instead of just a lower number from the first invoice. From the day I returned the car until the money arrived in my account I had a lot of small worries in my mind. Every time I thought about that tiny scratch under the bumper I asked myself what if I did not buy this coverage. I would probably sit in my room in Canada and stare at the bill for a long time. The most frustrating part was that I really tried to drive safe, but at the end they still said there was damage. Now when I think back there are a few moments that stay in my head. The people at the rental counter were very formal and cold. For them a scratch is just a scratch and the cost is just the cost. There was almost no room to talk. Then there was the service team from the platform. They felt more like they were on my side. They helped check the real debit from my bank and did not just follow the first paper number. For me that made a big difference. The day the claim payment showed in my account I looked at the 1473.65 euro line on my phone. In my mind I could see the morning in Milan again. I was standing in the cold air while the staff checked every corner of the car. That scene and this payment are now tied together in my memory. Because of that I do not feel so bad anymore when I think about this rental. AXA Full Coverage turned what could be a very painful bill into something I could handle.
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