SEF ENDORSEMENT

Personal Vehicle Endorsements
Standard Endorsement Forms (SEF): used to add coverage, remove coverage or enforce special limits
 3 Drive Government Automobiles:
o Used when insured also drives government vehicles & isn’t already insured
 5 Permission to Rent or Lease: for long-term leases (30+ days)
o Rates vehicle as if owned by lessee (i.e. their driving history)
 5a Permission to Rent or Lease:
o Same as 5, but for short term leases
 6a Permission to Carry Passengers for Compensation:
o Removes exclusion from SPF 1
 7 Separate Limits:
o Can specify limits for each driver
 8a Property Damage Reimbursement:
o Insured reimburses insurer for at-fault accidents caused by the person named here
(used for high risk drivers)
 9 Marine Use Excluded (Amphibious Vehicles): for vehicles used on water & land (i.e. ATV)
o Excludes coverage while vehicle is on water or being launched/landed
 13c Comprehensive Cover – Deletion of Glass
o Restricts auto glass coverage to:
 Fire/Lightning/Explosion
 (Attempted) Theft
 Windstorm/Hail
 Earthquake
 Riot
 Falling/Landing of Aircraft/Parts
 Flood
 “Accident” involving conveyance transporting the automobile (i.e. sinking,
stranding, derailment, etc.)
 13d Comprehensive Cover – Limited Glass: like 13c +
o Adds Vandalism coverage for all but front window & sunroof
 13h Deletion of Hail Coverage
o Deletes hail damage coverage if vehicle has unrepaired hail damage
o If 2+ vehicles, exclusion only applies to the hail-damaged car
o Can add back after repairs made
 16 Suspension of Coverage (AB only): for seasonal vehicles (i.e. motorbikes)
o Suspends Liability, Collision/Upset coverage while not in use
o If vehicle is off for 45 days, can get refund
 17 Reinstatement of Coverage (AB only):
o Reverses 16 & charges extra premium for reinstating coverage
 18 Replacement Cost Endorsement
o If vehicle suffers total loss w/ in 5 yrs of service, get replacement cost coverage
 Replaces w/ new model of same spec & equipment (if unable: similar model)
o Must have Section C coverage to qualify
 19 Limitation Amount: for high value vehicles
o Insurer will pay min(ACV, amount shown here)
 19a Valued Automobile: for classic, antique or high-value cars
o Vehicle = insured for $$ shown here
 20 Loss of Use:
o No waiting period for loss of use when Section C coverage is triggered
o Covers: replacement vehicle, taxi, public transport, etc. while car is being repaired
o Can choose: per day & maximum limit
 23a Mortgage:
o Shows that lien holder has insurable interest in auto
 Keeps them informed of changes/cancellations/lapses
 They also get a copy of the policy
 Adds mortgage protection
 Protects mortgagee if the insured commits fraud, misrepresentation or
breach of policy conditions
 27 Legal Liability for Damage to Non-Owned Automobiles: used w/ SEF 20
o Covers operation of non-owned vehicles
o Use when: renting/borrowing a car short-term (NOT a substitute vehicle)
 28 Reduction of Coverage as Respects Operation by Named Person(s): usually used w/ SEF 8a
o Limits the liability coverage payable for Section A, B & C when vehicle operated by X
 Usually reduces to the minimum limit = $200,000
 28a Reduction of Coverage as Respects to Operation on Airport Property (AB only):
o Limits coverage when operating the vehicle in an “airport” (i.e. runway, airplane
operating/storage/maintenance area)
 Usually reduces to $200,000
 29 Additional Coverage as Respects Operations by Named Person(s):
o Extends coverage to someone without listing them on the policy
 32 Recreational Vehicle: (i.e. ATV or dirt bike)
o Permits off-road use of recreational vehicles by unlicensed person ≤ 16 y/o
 Public highway = where public is ordinarily permitted to use/park vehicles (see
Traffic Safety Act)
 35 Emergency Service Expense:
o Insurer covers insured for emergency roadside expenses (i.e. towing)
o Small limit ($50)
 37 Limitation of Automobile Sound and Electronic Communications Equipment ($1500)
o Limits coverage for (Attempted) Theft of after-market equipment to min[$1500 (or
whatever the policy states), ACV]
 38 Increased Limit Sound and Electronic Communications Equipment (over $1500)
o Opposite of 37: pick a higher limit than $1500
 39 Accident Rating Waiver: aka Accident Forgiveness
o Insurer doesn’t count at-fault accidents in the vehicle’s rating
o Lists the applicable cars
 40 Fire and Theft Deductible:
o Excludes deductible for fire or theft of entire automobile (must list applicable vehicles)
 43r & 43l Limited Waiver of Depreciation:
o Waives depreciation on new vehicles (24-30 months new) if insured = original owner
o Depreciation still applies to: tires, batteries, upgrades from repairing/replacing damaged
parts
o If total loss, insurer pays: min(purchase price, MSRP)
 Lists applicable vehicles
o 43l = for leased vehicles
 44 Family Protection: “get as good as you give”
o Pays in excess of the at-fault driver’s insurance ≤ your 3rd party limit minus the at-fault
driver’s
Commercial Vehicle Endorsements
SPF 1
Adding Coverage
SEF
 4a Permission to Carry Explosives: allows you to carry explosives
o Requirements:
 Minimum statutory limit
 Detailed description required (goods, transportation & storage)
 4b Permission to Carry Radioactive Materials: adds 3rd party liability from carrying radioactive
materials
o Coverage only for named vehicles & specified materials
 5 & 5a (see above)
 6a (see above)
 6b School Bus: removes exclusion for carrying school passengers for hire in school bus/van/etc.
 6c Public Passenger Vehicle: removes exclusion for public passenger vehicles (i.e. bus or taxi)
 6d Driver Training School: allows use of owned/non-owned vehicles for driving training or
carrying people for $$
o Liability coverage extended to students/observers
o If non-owned vehicle: make sure owner has SEF 6d
 13d (see above)
 20 (see above)
 22 Damage to Property of Passengers: for taxis, bus or ambulance
o Only covers when insured = liable
 27 (see above)
 29 (see above)
 32 (see above)
 36 Commercial Automobiles Used Exclusively for Pleasure:
o Applies pleasure rating to commercial vehicles & can only use for pleasure
 40 (see above)
 43r & 43l (see above)
 76 Additional Insured
Removing Coverage
SEF 9, 13c, 13d, 13h, 16, 17 (see above)
SEF
 30 Excluding Operation of Attached Equipment:
o Excludes Section A & B liability for ownership/use of attached machinery + equipment
while @ job site
 Covered by CGL anyways
 30a Excluding Attached Machinery:
o Excludes Section C damage to attached machinery listed on endorsement
 Used when purchasing commercial property policy or equipment floater
 31 Non-Owned Equipment: covers attached leased equipment (i.e. leased wood chipper trailer)
Special Limits
SEF 19, 19a, 28, 28a, 37, 38 (see above)
SPF 4 – Garage Policy
SEF
 70 Named Chauffer:
o Restricts coverage as drivers/occupants to named person(s)
 71 Excluding Owned Vehicles:
o Excludes coverage for vehicles owned/leased/licensed by insured
o Mandatory if insured ≠ car dealer
 72 Multiple Alteration: to make amendments to SPF 4
 73 Excluding Financed Autos: used by dealerships
o Removes Section C coverage for autos held for sale on finance plan
 74 & 75 Open-Lot Pilferage (owned & customer vehicles):
o Covers theft (not theft of entire auto) while in open lot “owned” by insured
 76 (see above)
 77 Legal Liability for Comprehensive Damage to Customers’ Vehicles:
o Changes Section E Specified Perils coverage to Comprehensive
 78 Reduction of Coverage as Respects Operation by Named Persons: like 28
 79 Fire and Theft Deductible: like 40
 80 Specified Owned Automobiles Physical Damage Coverage:
o Adds collision, comprehensive &/or specified perils to specified autos owned by insured
 81 Garage Family Protection: like SEF 44
 82 Deductible Amount: used in YK
o Deductible = max(deductible % or $ amount) for Section C & E collision coverage
SPF 6 – Non-owned Vehicles
SEF
 90 Limitation to operation Of Automobiles by Partners, Officers & Employees:
o Only partners, officers & employees are covered
 Everyone else needs to buy their own insurance
 91 Limitation to Operation of Automobiles by Named Persons:
o Limits coverage to operations by named person
 92 Limitation to Hired Automobiles & Automobiles Operated Under Contract:
o Limits coverage to hired/contracted autos defined on policy
o Deletes coverage for partners, employees, officers, agents
 93 Limitation to Automobiles Owned by Named Persons:
o Limits coverage to autos operated/owned/licensed by person/company named here
 94 Legal Liability for Damage to Hired Automobiles:
o Gives hired/leased autos the same own damage coverage as non-owned for legal
liability (including those assumed by contract)
o Must be same type of auto
o Hired auto = those controlled by insured in business (can come with/without drivers)
 I.E. rented or chartered
 95 Limitation to Business Conducted at Specified Locations:
o Restricts coverage to particular location
 96 Contractual Liability: covers voluntary/contract liability except those excluded here
 97 Operations by Individual Named Insured:
o If someone doesn’t have SPF 1, extends coverage to operation of vehicle used for
business only by insured (if individual, NOT business)
 98 Excluding Automobiles Personally Driven by Named Person: excludes all people listed here
 99 Excluding Long-term Leased Vehicle:
o Limits coverage to vehicles rented in short-term (≤ 30 days)