All insurance policies have exclusions and it is very important to familiarize yourself with the exclusions in your car insurance policy. Should the insurance company agree to provide you with insurance cover for anything listed as an exclusion in the original or basic policy, it will be done in the form of an endorsement which is added to your car insurance policy. The endorsement will confirm that you are provided with the additional coverage as listed. This is called extended coverage.

Extended coverage can also be included as a clause in the original policy when this is agreed on before the contract has been finalised.

There are many types of the risks that can be included as extended coverage, here are some examples:

• Windscreen extension—the excess may be waived in a windscreen extension
• Waiver of Subrogation rights
• Cover for riots and strike action
• Loss of keys extension—will cover the cost of replacing locks and keys, including the remote alarm controller
• Fire extinguishing charges extension
• Loss of use following theft
• Loss of use following accidental damage
• Extended non-owned coverage endorsement—where a car is given to a named individual for his regular use but he is not the owner.