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What Are Endorsements, and Do You Need Them?

Updated: Nov 7, 2023


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Insurance policies are not meant to be cookie-cutter. There are many types of insurance policies to suit your individual needs as well as your budget. In addition to the mandatory liability coverage and the optional collision and comprehensive coverages, there are several automobile insurance add-ons, also called endorsements, that you can purchase.


An endorsement is an amendment to an insurance policy that alters the provisions of the contract. In the insurance industry, we refer to them as SEFs, or Standard Endorsement Forms. Lets review some of these together.


SEF 13 C/D – Limited Glass Endorsement

This endorsement provides coverage for loss or damage to glass caused by an insured peril such as fire, theft, vandalism, windstorm, earthquake, or hail. It is especially useful in Alberta as we are more prone to hail and windstorms than some other provinces.


SEF 13 H – Deletion of Hail

This endorsement means that there will be no coverage provided if your vehicle is damaged by hail. It is used to ensure that further hail damage coverage is excluded if the insured has already received a cash settlement for hail initial damage.


SEF 18 – Replacement Cost Endorsement

This endorsement provides the replacement cost if damage exceeds the stated percentage of actual cash value (ACV).


SEF 20 – Loss of Use

This endorsement provides higher limits and broader coverage for a replacement vehicle or taxi cabs if the insured vehicle is not drivable due to loss or damage caused by an insured peril.


SEF 32 – Recreational Vehicle

This endorsement is used for ATVs, dirt bikes, etc. It waives the compliance with the statutory conditions pertaining to qualification and age of vehicle operator while operating off highway vehicles.


SEF 35 – Towing And Emergency Services

This endorsement allows a set amount of money to be used to cover the cost of emergency and towing services if your vehicle has broken down.


These are just some of the available endorsements for an automobile policy in Alberta. There are many more endorsements that can be added to your policy to reflect your own individual needs and values. Keep in mind that many of these endorsements will affect your premium, but they can offer you peace of mind and security knowing that you are fully covered in the event of an accident.


If you have any questions or if you would like to add any endorsements onto your auto policy, feel free to contact one of our experienced brokers at Heartland Insurance Group.

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