Glossary

Endorsement

A written amendment to an insurance policy that adds, removes or changes coverage, such as rideshare use, rental coverage or OEM parts.

Also called: rider, policy endorsement, policy add-on

An endorsement is a form attached to an insurance policy that changes its standard terms. In auto insurance the personal auto policy is the base contract, and endorsements tailor it. Some add coverage, such as rental reimbursement, loan/lease payoff, roadside assistance, custom equipment, OEM parts or a rideshare endorsement. Some restrict it, such as a named driver exclusion. Others adapt the policy to a particular state's laws.

Each endorsement has a form number and title, and the declarations page lists the ones on your policy. Many insurers use standard forms drafted by ISO, an insurance advisory organization, while others write their own. A state-specific endorsement can override parts of the policy to comply with local law, for example on personal injury protection or uninsured motorist coverage.

Endorsements are often where coverage questions are settled, so read them, not just the main policy. An endorsement that adds coverage usually adds premium. One that narrows coverage, such as an exclusion of a named driver or of diminished value claims, can leave you without protection you assumed you had. When you change coverage mid-term, the insurer issues an endorsement and an updated declarations page; check that the change matches what you asked for.

Last reviewed October 4, 2026

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Related terms

Declarations page The summary page of an auto policy listing who and what is insured, the coverages, limits, deductibles, premium and policy period. Exclusion A provision in an insurance policy that removes specific people, vehicles, uses or causes of loss from coverage. Rideshare endorsement An add-on to a personal auto policy that covers a rideshare driver during gaps in the platform's insurance, especially while waiting for a request. Custom parts and equipment coverage Optional coverage for aftermarket add-ons and modifications, such as custom wheels, stereos and lift kits, beyond a standard policy's small allowance. Personal auto policy The standard contract form behind most U.S. car insurance, with parts for liability, medical payments, uninsured motorists and damage to your car.

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