{"id":15234,"date":"2024-10-30T12:36:41","date_gmt":"2024-10-30T12:36:41","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=15234"},"modified":"2026-04-01T09:04:31","modified_gmt":"2026-04-01T13:04:31","slug":"endorsements-riders","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/endorsements-riders\/","title":{"rendered":"Optional Car Insurance for Canadians"},"content":{"rendered":"\n
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Optional car insurance for <\/mark>Canadians<\/mark><\/h1>\n\n\n\n

Depending on your personal circumstances, you may need to include what is known as an endorsement or rider in your insurance policy.<\/p>\n\n\n\n

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Call 1-877-749-7224<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
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Not sure if you have enough insurance?<\/h2>\n\n\n\n

Car insurance needs can be as unique as the drivers themselves. You may want to add optional car insurance coverage to your auto insurance policy in addition to what your province requires by law. Whether it’s extra financial security for your family or added protection for a brand new vehicle, we’ll help you match your coverage to your needs.<\/p>\n<\/div>\n<\/section>\n\n\n\n

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Choosing the right optional coverage for yourself<\/span>
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Extra Financial Security for Your Family<\/h4>\n<\/div>\n\n\n\n

The Family Protection endorsement supplements the Uninsured Motorist\/Automobile coverage you already receive with your policy.

It provides significant financial protection\u2014up to the limits of your liability coverage\u2014if you or your family members are injured or killed in an accident caused by an uninsured, underinsured or unidentified (i.e. hit and run) at-fault motorist.7<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n\n\n\n

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Added Protection for a New Vehicle<\/h4>\n<\/div>\n\n\n\n

Your vehicle loses its value over time due to normal wear and tear\u2014called depreciation. The Waiver of Depreciation endorsement prevents the value of your vehicle from being reduced because of depreciation, when settling your insurance payout for a covered total loss claim.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Alternate Transportation Benefits<\/h4>\n<\/div>\n\n\n\n

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The Loss of Vehicle Use endorsement<\/strong> can help cover the cost of alternate transportation if your vehicle is being repaired or replaced due to a covered risk.6<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n\n\n\n

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Forgiveness for First At-Fault Accident<\/h4>\n<\/div>\n\n\n\n

The Accident Protection endorsement<\/strong> will help protect your good driving record and keep your premiums low.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Satellite Program Endorsement<\/h4>\n<\/div>\n\n\n\n

The Satellite Program endorsement is a comprehensive emergency roadside and driver assistance program.<\/p>\n\n\n\n

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