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Originally Posted by NM
... So if the standard excess is, say $2000, and the rental company offers to reduce that to $500 for a fee of $15/day, in order for the travel insurance to further reduce that excess down to say $350 you must accept and pay for the rental company excess reduction.
This may not be the case with this card. ...
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It IS not the case with this card; they sell it as saving any Excess Reduction Fee:
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Rental Vehicle Insurance Excess Cover**
In addition to ANZ Auto 24, ANZ Auto Assist members are also provided with Rental Vehicle Insurance Excess Cover, which helps make car hiring more affordable. As an ANZ Auto Assist member, you’re automatically covered for Rental Vehicle Insurance Excess Cover when you hire a car from a major rental company. This can represent a saving of around $20 per day per car hired, not to mention a significant reduction in the total amount of excess payable in the event you have a covered accident.
Should you be unlucky enough to have a covered accident in a car that you have hired, ANZ Auto Assist can provide you with cover up to $2,400, less an excess of $350. This means in the event of a covered collision, you’ll only pay the first $350 where the damages do not exceed $2,400. You will have to pay the balance of any damage costs that exceed the amount paid by ANZ Auto Assist. ...
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I actually have an ANZ Qantas Visa (The Blue one; I used to have a Gold but tossed it some years ago).
I use their "Auto Assist" and this includes the above insurance.
(BTW, ANZ Auto Assist costs $33 PA and provides far more benifits than standard Auto Club membership (eg RACV $68PA), covering you for ANY vehicle you are driving!)