An "endorsement” is a change to the existing coverage in your policy.
From @economical.insurance, here are a few endorsements that you should consider adding.
1| Waiver of depreciation:
If you purchase a waiver of depreciation when insuring a brand new vehicle, you’ll be covered for the full purchase price or the manufacturer’s suggested retail price (whichever amount is lower) if your vehicle is stolen or damaged beyond repair. Without it, you’ll only receive the depreciated value (or the actual cash value) of your vehicle, which might not be enough to buy a brand new one.
2| Coverage for transportation replacement:
This endorsement covers the cost of alternate transportation (like a rental car) if you’re stuck without your vehicle because of an insurance claim.
3| Legal liability for damage to non-owned vehicles:
Also known as the “rental vehicle insurance endorsement,” this endorsement extends your liability coverage to protect you if you’re held responsible for damage to someone else’s vehicle while it’s in your care — as long as you’re driving in Canada or the United States.
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