J

John Tan

Hungary

April 28, 2026

AXA Full Coverage

I will start from the result. In the end the insurance paid back the big fee I was charged for the glass damage in Budapest. They even covered the admin fee. If not I would feel this pain in my wallet for a long time as a student. I booked the car in Hungary Budapest through QEEQ. I picked it up around April 16 in the early afternoon around one o clock from Sixt. The car was a Lexus LBX with automatic gear. I was pretty excited. The car drove very smooth. Then one day I saw a crack on the front window. It was not super clear at the beginning. It looked like a small stone hit it and the crack grew. I got nervous right away and kept thinking this is bad and I will be charged a lot. When I returned the car it was around April 21 at about one in the morning in Budapest. The staff at the Sixt counter checked the car. He said the glass had a crack and he needed to record it. I was a bit shocked and just nodded. After some time I saw my credit card was charged a big amount. It was about 1100 euro plus some admin fee. The total was around 1435 euro. I almost broke down. In my head I just thought this trip will turn into a big debt. When I booked this car I bought AXA Full Coverage. At that time I just thought it was one more layer of safety. I felt the chance of using it was small. Then the glass really cracked and the bill from the rental company did not match the money taken from my card. I could not understand it by myself. So I contacted them and sent all the photos of the damage and also the invoice and the credit card charge screenshot. I remember staring at the numbers and talking to myself asking if it is 1100 or 1435. The customer service asked me some simple things like if the bank account was mine and if my address was correct. I felt like I was doing homework and just slowly gave all the information. For a while I was very worried. I was afraid the insurance would only pay a part and I would need to pay the rest on my own. Later I got a new invoice from the rental company. It showed the damage fee was 1100 euro. My card also got a refund of about three hundred something euro. I told them this update and asked them to help me use the new amount for the claim. During that time I kept checking my email and told my friend that if this insurance really pays back the money it will save my life. After that they also reminded me that the admin fee of a bit more than forty euro could be included too. I confirmed all these details. When the claim was approved I saw that the insurance paid about 1149.53 euro in total. It almost covered all the money I paid because of the cracked glass. At that moment I felt my whole body relax. It was like I went back from super stressed to normal student level again. Now when I think about it if I did not buy this AXA Full Coverage I would lose a big amount of euro as a young person. That would hurt a lot. The back and forth with documents and amounts was a bit tiring but the money came back so I feel very glad that I added this insurance when I made the booking with them.