{
 "programme_slug": "cba-standard-cards",
 "issuer": "CommBank",
 "programme": "CommBank credit card insurances (Low Rate, Low Fee, Awards Standard and Essentials cards)",
 "issuer_page": "https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/cba-standard-cards/",
 "governing_document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
 "documents": [
  {
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
   "label": "CommBank Credit Card Insurances Booklet (Low Rate Standard, Low Fee Standard, Awards Standard and Essentials)",
   "role": "combined",
   "governs": "current",
   "note": "Pinned beside the premium booklet for the same reason as ANZ First: the shorter booklet is how a cardholder finds out which insurances their card does not carry.",
   "words": 7578
  }
 ],
 "insurer": {
  "name": "Zurich Australian Insurance Limited",
  "abn": "13000296640",
  "afsl": "232507",
  "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other…",
  "citation": {
   "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "outcome": "apra_authorised",
  "authorised": true,
  "matched_name": "Zurich Australian Insurance Limited",
  "register_section": "Authorised to conduct new or renewal insurance business",
  "afs_licence_number": null
 },
 "group_policy_manager": null,
 "policy_owner": null,
 "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": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
  "citation": {
   "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=13",
   "page": 13,
   "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": null,
 "charge_requirement": null,
 "return_ticket": null,
 "residency": null,
 "age_limit": null,
 "period_of_cover": null,
 "activation": null,
 "pre_existing_conditions": null,
 "covers_offered": {
  "covers": [
   "Extended Warranty Insurance"
  ],
  "quote": "Extended Warranty Insurance",
  "citations": [
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815",
    "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": [
  "benefit limits"
 ],
 "labels": [],
 "conditions": null,
 "generated_at": "2026-11-06T03:09:48Z",
 "benefit_tables": [],
 "rows_withheld_for_review": [
  {
   "what": "benefit limits",
   "why": "This booklet carries no travel insurance, so there are no travel limits in it to read. Its covers are Purchase Security and Extended Warranty, and its one table of benefits gives their limits: a purchase price, a jewellery sub-limit and a yearly cap, none of them a travel benefit (facts.travel_cover records the booklet as read in full with no travel benefit in it). The reason recorded here before, that it shares the premium booklet's front-of-book layout, was wrong: the premium booklet's table is of overseas travel benefits."
  }
 ],
 "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."
}