{"id":11276,"date":"2020-09-21T15:33:00","date_gmt":"2020-09-21T19:33:00","guid":{"rendered":"https:\/\/staging10.vez2021.catalyseweb.com\/?p=11276"},"modified":"2020-09-21T15:33:00","modified_gmt":"2020-09-21T19:33:00","slug":"endorsement-27-coverage-for-damage-to-vehicles-you-do-not-own","status":"publish","type":"post","link":"https:\/\/www.groupevezina.com\/en\/endorsement-27-coverage-for-damage-to-vehicles-you-do-not-own\/","title":{"rendered":"Endorsement 27: coverage for damage to vehicles you do not own"},"content":{"rendered":"<h4>Do you sometimes borrow or rent a vehicle? You can be insured!<\/h4>\n<p>You can add additional coverage, known as an endorsement, to your auto insurance policy that will cover you for damage to a borrowed or rented vehicle should you have an at-fault accident. It\u2019s known as Endorsement 27 &#8211; <em>Civil liability resulting from damage caused to vehicles of which named insured is not owner. <\/em><\/p>\n<h4>This endorsement can come in handy:<\/h4>\n<ul>\n<li>When you rent a vehicle while on holiday, as it can cover the rental vehicle, often at a lower cost. In this case, you won\u2019t have to take the rental company\u2019s Collision Damage Waiver.<\/li>\n<li>When you borrow your parents\u2019 or a friend\u2019s vehicle.<\/li>\n<li>When you\u2019re given a temporary replacement vehicle (courtesy car) while your vehicle is in for maintenance or repairs.\u00a0<\/li>\n<\/ul>\n<h4>What you need to know about Endorsement 27:<\/h4>\n<ul>\n<li>This endorsement covers damage to a vehicle you do not own, only if you have an at-fault accident (a not at-fault accident will be covered under the vehicle owner\u2019s insurance).\u00a0<\/li>\n<li>The coverage and deductible can differ from those under your insurance policy. For example, you can have <em>All Perils<\/em> coverage with a $750 deductible under your insurance policy, and have <em>All Perils other than Collision or Upset<\/em> coverage with a $500 deductible under the endorsement.<\/li>\n<li>The endorsement includes a coverage limit by loss (what the vehicle owner wants to claim for the loss). <strong>N.B.<\/strong> If you plan to borrow or rent a sports car, or a luxury vehicle, make sure the limit is sufficient to cover the vehicle\u2019s value.\u00a0<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Do you sometimes borrow or rent a vehicle? You can be insured! You can add additional coverage, known as an endorsement, to your auto insurance policy that will cover you for damage to a borrowed or rented vehicle should you have an at-fault accident. It\u2019s known as Endorsement 27 &#8211; Civil liability resulting from damage [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":11272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_analysis_target_kw":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[18],"tags":[212,266,60,50,108,303,105,47],"class_list":["post-11276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vehicle-insurance","tag-auto-insurance","tag-automobile-en-2","tag-car","tag-coverage","tag-damage","tag-endorsement","tag-responsability","tag-vehicle"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/11276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/comments?post=11276"}],"version-history":[{"count":0,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/11276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media\/11272"}],"wp:attachment":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media?parent=11276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/categories?post=11276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/tags?post=11276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}