{
 "programme_slug": "anz-first",
 "issuer": "ANZ",
 "programme": "ANZ First credit card complimentary insurance",
 "issuer_page": "https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/anz-first/",
 "governing_document": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf",
 "documents": [
  {
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf",
   "label": "ANZ First Credit Card Complimentary Insurance Policy Information Booklet",
   "role": "combined",
   "governs": "current",
   "note": "Pinned because ANZ links it beside the Platinum and Black booklet: a card in the same issuer's range with a different booklet is how a cardholder discovers their card is not one of the covered ones.",
   "words": 6350
  }
 ],
 "insurer": {
  "name": "Allianz Australia Insurance Limited",
  "abn": "15000122850",
  "afsl": "234708",
  "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00",
  "citation": {
   "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00",
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "outcome": "apra_authorised",
  "authorised": true,
  "matched_name": "Allianz Australia Insurance Limited",
  "register_section": "Authorised to conduct new or renewal insurance business",
  "afs_licence_number": "234708"
 },
 "group_policy_manager": {
  "name": "AWP Australia Pty Ltd",
  "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710",
  "citation": {
   "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710",
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
   "confirmed": "2026-11-05"
  }
 },
 "policy_owner": {
  "name": "ANZ",
  "quote": "ANZ is the policy owner",
  "citation": {
   "quote": "ANZ is the policy owner",
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=4",
   "page": 4,
   "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
   "confirmed": "2026-11-05"
  }
 },
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
  "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=4",
   "page": 4,
   "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2024-06-07",
  "quote": "EFFECTIVE DATE: 7 JUNE 2024",
  "citation": {
   "quote": "EFFECTIVE DATE: 7 JUNE 2024",
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=1",
   "page": 1,
   "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": null,
 "return_ticket": null,
 "residency": null,
 "age_limit": null,
 "period_of_cover": null,
 "activation": null,
 "pre_existing_conditions": null,
 "covers_offered": {
  "covers": [
   "Purchase Protection Insurance",
   "Extended Warranty Insurance"
  ],
  "quote": "Purchase Protection Insurance; Extended Warranty Insurance",
  "citations": [
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": false,
  "domestic": false,
  "named_as": null,
  "means": "this document carries no travel cover: it was read in full and states no travel benefit",
  "quote": null
 },
 "limits": {},
 "limits_read_from": null,
 "not_read": [],
 "labels": [],
 "conditions": null,
 "generated_at": "2026-11-06T03:09:48Z",
 "benefit_tables": [],
 "rows_withheld_for_review": [],
 "no_premium": "There is none. This cover comes with the card; the card's annual fee is a credit product fee, not an insurance premium, and is not collected."
}