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Endorsements / riders to insurance policies

Endorsements, also called insurance riders, are additions to insurance policies that provide the policyholder with extra protection beyond the provisions contained in a standard insurance agreement.
 
Generally speaking endorsements do not operate independently of the policy, but should be considered part of the policy:
 
An endorsement changes or varies or amends the underlying policy. While it may be comprehensive on the subject of the particular coverage provided in the endorsement, it is built on the foundation of the policy and does not have an independent existence.
(Pilot Insurance Co. v. Sutherland, 2007 ONCA 492 at para. 21).
 
However, if it is unclear to what extent exclusions in the main policy limit coverage provided by the endorsement then the limitation of endorsement coverage should be set out in the endorsement itself:
 
Limitations on the apparent coverage in the endorsement that are ambiguous in the sense that they are not clearly apparent, should be set out in the endorsement itself. If it was the intention of the insurer that the endorsement was not to cover an "unidentified" vehicle, it would have been a simple matter to say so in the explanatory note.
(Wigle v. Allstate Insurance Co. of Canada, 1984 CanLII 45 (ONCA)).

 

 
This book was written by Michael Dew, a Vancouver lawyer who practices civil litigation, including representing persons who have been denied coverage under property insurance policies, or liability insurance policies. If you have been denied insurance coverage and require assistance with making a claim against your insurer call Michael at 604 895 3160.