My story actually starts from one question in my head. Why did I see so many Swiss francs charged on my bills. I booked the car on QEEQ around late April and picked it up in Zurich. It was an Audi estate from Europcar with automatic gear. I returned it in Zurich too in early May. The car drove fine but there was one time with a small scratch and I already felt nervous. What happened next. First the staff at the rental desk said there was damage on the car. Then they added some extra fees that I did not really understand. When I saw the numbers I froze for a moment. There was one charge close to four hundred francs and another one with more than seven hundred. I kept asking myself. Do I really need to pay all this by myself. Did I do something wrong. Then I remembered that I bought AXA Full Coverage when I made the booking. I wondered if this could help me. I contacted their customer service and told them about each charge I saw. I checked my bank records in Indonesia and took several screenshots to send. I felt tense and also hopeful at the same time. It felt a bit like waiting for exam results. The support team asked me simple things like which day I used the card and which card I used. I answered one by one and hoped they could figure out what exactly was charged. I also worried a lot about the scratch itself. I asked myself again. Since I bought AXA Full Coverage should it cover the damage part. They later told me they could use the excess written in my contract and help me claim part of the cost. At that moment I felt like I could breathe a little. At least it was not all on me. The claim process felt like solving a math problem. I gave them the damage situation the bank charges and my request. They checked step by step. I had a damage amount around four hundred francs. They said they could pay out the amount I needed and send it to my account in Indonesia. In my mind I only thought one thing. I was lucky that I bought AXA Full Coverage. Without it these numbers would really keep me awake at night. The whole thing did not finish in one second. I kept going back to my statements because I was scared that I missed something. Each time there was some new progress they explained it to me and then I checked again and we matched the information. I used a pretty simple way to deal with it. I asked many times and checked many times. When I finally saw that the claim amount could be paid as I hoped the big stone in my heart moved down a little.
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