ANZ Credit Card Car Rental Insurance

[IrishPete]

Hey, hive mind

We currently have a rental car from Budget, and didn't take any extra insurance, relying instead on the ANZ Platinum Rewards Travel Adventures excess cover.

So we've had a puncture and the tyre isn't repairable.

Any thoughts on how to manage this - return the car and accept whatever Budget charges then claim it from the credit card insurance? Or should I pay for a new tyre ($259) and try to claim THAT from the credit card insurance? Will the credit card insurance cover it at all - I honestly don't understand the wording about tyres.

In the meantime, I am driving without a spare. At least the spare was full size, not spacesaver (and there was one).

Unsurprisingly the tyre that punctured doesn't have much tread, (nor does the other front tyre), so Budget gets a free tyre they would have had to replace soon anyway!

I phoned Budget but was told to call roadside assistance. But I don't need roadside assistance...

 

[pauldab]

Checking the ANZ Platinum insurance PDS it requires you to call them before incuring the expenses. It also states it may not cover things like tyres under specific cases.

https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf

They state clearly that the coverage is for accidents, damage or stolen vehicle while in your custody.

This forum isn't the place to ask, so if I were you I'd be calling them first to discuss whether the repair/replacement of the tyre is covered and if it is what your options are.

 

[IrishPete]

Checking the ANZ Platinum insurance PDS it requires you to call them before incuring the expenses. It also states it may not cover things like tyres under specific cases.

https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf

They state clearly that the coverage is for accidents, damage or stolen vehicle while in your custody.

This forum isn't the place to ask, so if I were you I'd be calling them first to discuss whether the repair/replacement of the tyre is covered and if it is what your options are.

Thanks.

I have since found out (by visiting the office we collected it from) that Budget will charge $250. MyCar wanted $259.

I can't ask for permission before incurring this expense, as I'll be charged when I return the car. I will have to survive without a spare until then. (Given many cars don't come with a spare, we're very grateful it had a full size spare and on the same alloy wheels as they are other four.)

I found the PDS to be very unclear, hence asking for other people's knowledge or experiences.

 

[AdMEL]

As far as I recall, ANZ car rental cover excess is higher than $250 or $259 …