I currently hold ANZ Qantas black card with complimentary TI. I have looked up the PDS with a benefit limit of AUD5000. I have a trip to NZ coming up with a rental vehicle from Hertz of an excess NZD5900. While I've booked the car rental via booking.com which offered me excess reduction from RENTALCOVER if anyone heard of it. Any thought if i should take this up from RENTALCOVER or the complimentary TI from ANZ card is suffice?