The small print at the bottom of this page:
http://www.anz.com/australia/persbnk...entalCover.asp
ANZ Gold cardholders are automatically covered by ANZ Car Rental Cover at no additional cost. Please note this excludes ANZ Frequent Flyer Visa Gold, and ANZ Rewards Visa Gold. For terms and conditions of this program, ANZ Gold cardholders should refer to ANZ Credit Card Insurance Features booklet.