coverage packet

Check What Your Rental Car Damage Cover Actually Covers — Free

Paste the damage waivers and your own policies, and read which damage types are still uncovered before you sign the rental.

The proof surface

Damage waivers and credit-card cover both exclude the same awkward items. Mapping the cover against damage types is what shows the real gap before the keys are collected.

Inputyour own policies and the rental waiver, listed with what each covers and excludes

Rare devicemaps the reader's own policies and waivers onto damage types to find the gaps, rather than advising 'take the waiver'

Output artifacta coverage map of damage types with the covering policy named and gaps marked

Cost$0 · local-first · one free run · samples labelled

Sample, not your facts: Sample: waiver at $22 a day with a $250 excess, credit card cover excluding tyres, glass, underbody and roof, own policy excluding hire vehicles, $1,200 excess over five days — four concrete points across four types.

Why the flat version breaks

Credit-card assumptions

Card cover routinely excludes tyres, glass, underbody, roof and interior, which are the most common damage claims.

Desk-pressure decisions

Waivers are sold at the counter in minutes; pricing them against the excess before arrival makes that decision calm.

No pickup photographs

The photographs taken before leaving the lot are the evidence for any pre-existing damage claim.

How to work the coverage packet

List the cover

Each policy or waiver with what it covers and excludes, one per line.

Enter excess and days

The amount at risk and the rental length.

Read the cover

Damage types carry a tick or an open box, with the covering policy named beside them.

Photograph the vehicle

Roof, tyres, underbody, interior and fuel gauge, before moving the car.

What the packet replaces

Question	Before	On the cover
Am I covered	assume the card handles it	each damage type with its covering policy named
What is excluded	find out after a claim	uncovered types marked before pickup
Is the waiver worth it	decide at the desk	the waiver cost against the excess at risk

The packet maps the policies you describe; it does not interpret policy wording or settle a claim.

Run it on the samples, right here

FIRST-LOAD

Data note: Everything runs in this browser tab on the coverage packet: your policy details and rental terms stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.

Go deeper: the companion app files the same reading as a stapled evidence packet

The article demo above runs without limits. The companion app keeps a local history, exports the rows as CSV, prints the ready-to-mail packet, and holds your drafts on this device — one free run, then $ 6 one-time for the layer that keeps filing.

The packet and the uncovered list are free. The paid layer prints the coverage summary for the rental desk.

Open the coverage stack packet companion

Boundary

This coverage packet works only on the policy details and rental terms you paste you paste. It does not advise on insurance, does not settle a claim, and does not recommend a waiver. The figures describe what you supplied, not what is true in the world. Confirm anything you plan to act on with your insurer's claims line, called before the rental starts, for hire-vehicle terms before you rely on it.

What this is built on

Every figure comes from the policy details and rental terms you paste you paste; nothing is looked up, scraped or asserted as verified.
Method: each damage type is matched against the coverage words you supplied; gaps are the types nothing names
Sample values are labelled samples — illustrative by design, not your data and not a quotation of any organisation's policy.

Before: the reader assumed they were covered. After: they can see tyres, glass and underbody uncovered on both the waiver and their own policy.