I was reading through the travel insurance policy this evening and it's quite interesting to see a few of the conditions on it. Cover is also only enabled once you spend $500 on prepaid travel costs, or $250 to Aussie or the South Pacific.

They're using an AIG policy (which ANZ also use) but don't have the same crazy rental car restriction that ANZ do that makes their rental car cover totally worthless because you have to take out any optional insurance if it's offered. Since virtually everybody offers a $0 excess CDW these days it means you have to take this out if it's offered, and of course once you do you'd never need to claim on the policy if you damage the car.