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Originally Posted by NM
This may not be the case with this card. I have not looked at the terms and conditions for this particular card and its excess reduction. But be aware of the way some policies are structured and make sure you know exactly how and by how much you are covered. I would hate to think I was covered for an excess reduction down to $350 only to later find I was exposed for $2000 because I had not fully understood the terms and conditions.
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It doesn't seem to be an issue with the Terms and Conditions of this card. It does say that anything that the rental company insurance won't pay for, they won't pay for, which means things like driving drunk, someone driving that isn't on the agreement, driving the car into water, etc. but otherwise it seems reasonable to me.
I'm going to contact ANZ and take up the insurance offer, given I have an ANZ Frequent Flyer Visa with them (got it only to get the 16,000 bonus points).