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A form accompanying an insurance policy that alters the policy's terms or coverage.


An amendment to a document, especially an insurance policy. More formally, it is called an endorsement. The insurance company may issue the rider to change the terms of coverage, or the policyholder may do so, especially to add a family member to the policy. Generally, riders increase coverage in exchange for higher premiums.


A rider is a modification to an insurance policy that typically adds a new coverage or higher coverage in return for higher premiums.

For example, you might add a rider to your life insurance policy to provide coverage for your spouse, or a rider to your homeowners policy to provide additional liability insurance for a specific event. Dental care and prescription insurance are typical riders on health insurance policies.


(1) An amendment or attachment to a contract. (2) Commonly used to indicate additional terms or coverages for standard insurance contracts.

References in periodicals archive ?
These include wheels embedded inside tubular steel tracks (to help keep ride cars - and riders - on track), and cushioned, over-the-shoulder harnesses (to keep you buckled in).
Similar to the return of premium rider, the unemployment rider has been around awhile in the mortgage life insurance market.
Although individual riders are generally narrow in focus, taken as a group, this year's crop is a significant step backwards in environmental protection.
Coming into prominence are new riders to prevent lapse of universal life insurance at old ages--the so-called secondary guarantee riders.
HE Mattar Al Tayer, Director General and Chairman of the Board of Executive Directors of the Roads and Transport Authority (RTA), said: "The number of metro riders on both the Red and Green Lines over the last six months topped 88,252,034 riders; compared with 81,403,876 riders during the same period last year".