Is it a little crazy that more than three hundred euros of car damage ended up coming back to my account without a cent missing? I booked my car with QEEQ and I added AXA Full Coverage. To be honest at first I only wanted some peace of mind. I even thought I might never use it. I picked up the car in Malaga on May nineteenth in the afternoon. I arrived one day earlier than my original plan so I changed to around three pm on the nineteenth at the SIXT counter. It was a Volkswagen T cross automatic. For someone like me who flies around a lot for work it was easy to drive. I drove all the way to Madrid for business. Everything was fine until the day before I returned the car. On a narrow street in the city my sense of distance on the right side was not so good and the side of the car scraped a low stone block. My heart just dropped. I knew this would cost money. On the return day I reached the Madrid drop off spot a little after seven in the morning a bit earlier than the planned eight o clock. The SIXT staff checked the car and pointed right at the scratch. He did his check with a small board and some notes. I started to feel nervous and I also needed to rush to a meeting. He told me the damage fee would be a bit over three hundred euros and that I had to pay it on the spot by card. In my head my first thought was this is why I bought the insurance and my second thought was wow three hundred euros really hurts. But they said I had to pay first so I paid. On the way out I started to check how to claim with the insurance. To be honest when I read the emails in English at the beginning I could not really tell which part was about the account and which part was about the claim. I even thought the insurance company would pay the rental company directly and I did not need to pay first. So I felt pretty bad and a bit confused. Then I contacted customer service and told them my situation. They explained things more clearly. I learned that I should pay the damage to the rental company first and then use those papers to make a claim. The account stuff was not very important for me. I thought to myself I should not guess so much on my own and think I was being tricked. After that I started to prepare all the documents. I sent the bill from the rental company the card charge record and the personal details they asked for. Since I am from the US they also needed my bank SWIFT code. I gave the wrong one the first time and only wrote the routing number we use in the US. Later they told me it was not correct so I went back to my bank to confirm it and sent the right one. The whole thing went back and forth a bit but still under control. I also felt it was a little annoying but it was mostly my own mistake. A few days later I got an email saying the claim amount was 347.35 euros and it was fully approved. I almost did not believe it. I logged in to my online banking to check and saw the same amount already in my account. The exchange rate looked normal too. At that moment my mood went from this unlucky scratch to okay this was scary but fine. I felt a big relief and I was really glad I had paid extra for AXA Full Coverage. For a business traveler like me who is always on the move it is great that I do not have to fight with the rental company for a few hundred euros. It saved my time and my energy. This whole experience showed me that this kind of insurance is not only for mental comfort. It can really cover your loss in a real case.
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