The whole thing started with a problem. I booked my car on QEEQ and flew to Munich in Germany. I went to the Europcar counter around 11 am on February 28 to pick up an Audi Q3. The car looked pretty new and I was quite happy. In my head I said it is fine this time because I paid for AXA Full Coverage and I felt safe. A few days later the trouble came. I parked near the city area and when I came back I saw a big scratch on the rear bumper and a small dent on the side. I just stood there and stared at it. In my mind I kept saying this is so bad. I had read some of the rental rules and I knew this kind of damage would not be cheap. I took many photos. I shot all four sides of the car and the damaged parts and also the parking spot. Inside my head I kept doing the math. If I paid all of this by myself my travel budget would explode. I also thought I was lucky that I bought AXA Full Coverage when I made the booking. If not I would really break down. For the return I went back one day earlier. So I drove to Europcar on March 3 in the afternoon around four. The staff checked the car very carefully. When he saw the scratch he frowned and started to write on his board. I stood next to him and in my mind I kept saying please do not be crazy please do not be crazy. Then he gave me the bill and told me I had to pay it there first. When I saw the amount was 1245 EUR I felt another shock. That number was not small at all. But I also knew this was the normal way. I had to pay the rental company first and then go to the insurance side so I just used my card and paid. When I walked out of the counter my feelings were mixed. I felt pain because of the money but I also told myself it was good I had this insurance. I went back to my place and started to put all the papers together. I arranged the bill the photos and the rental contract. At that moment I really felt that buying AXA Full Coverage was not useless. It was a way to protect myself. After I sent all the documents I was still a bit nervous. I kept thinking maybe something was missing or maybe they would ask for more. Then I got news from them that my files were complete and the damage was inside the cover. When I saw that 1245 EUR could be paid back I felt much lighter. It was like the money was saved. Some time later the claim was finished and I checked my account. The payment was there and it was exactly 1245 EUR. In that moment I felt calm and also a bit thankful. The pain I felt at the counter before was almost gone. Now when I look back the whole story is very clear. The car got damaged in Munich. I paid 1245 EUR first at Europcar and then AXA Full Coverage gave me all that money back. For me as an overseas tourist many things are not familiar. When the damage first happened I was really scared. This experience showed me one thing. When there is big car damage a good full coverage plan can change you from thinking it is all over to thinking good thing I was prepared.
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