Zoe Bell

I'm doing some research for something at work (won't bore you with the details) but I'm tired and I've temporarily lost the word I'm looking for. Once I see it I'll know it

its an insurance or legal term term that means a policy or coverage you take out to cover something your insurance specifically forbids.

to give you a non work related example, my old sailing club used to offer a qualification course down in the Caribbean. To get this qualification you have to sail at night. To rent a boat in the Caribbean they usually don't cover you insurance wise for night sailing, so the club took out this "word-that-escapes-me thingy" to cover them in case they crashed during the night sail.

I hope to god that makes sense to someone.

ukcanuck

Do you mean a rider

Zoe Bell

maybe , the word looks familiar but a part of my brain says that I'm loking for a different word
maybe I just need more coffee.

Yorkiechef

See if this fits- specific indemnity?

Yorkiechef

It's a bit like a crossword except the clues are sh1t

Zoe Bell

exactly. I'm looking for an english word. I'll know it when I see it.

I'm amazed that noone can help me

Yorkiechef

So it's not indemnity then? That is what you take out for specific events that wouldnotnormally be covered. Wiki indemnity and you might get a surprise. If its not that, I can't help.

Zoe Bell

its not. I'm beginning to think I may have made this whole thing up.
still at least I'm talking to someone. I'm stuck in an empty room at the moment.

(not literally stuck, I still remember how to open a door)

ukcanuck

Addendum???

Try http://www.ibc.ca/en/need_more_info/glossary/A.asp.

Zoe Bell

no LOl,
shall we start at A and work our way through?

Seriously I'm starting to think this is a figment of my imagination

nldfc

assumed liability ?

Jingsamichty

Waiver of subrogation?

Aviator

Anyone would be lucky to get that out of an insurer!

The term tho OP is looking for has been is as mentioned a 'rider' Something that enhances the coverage on a policy beyond the basic coverage. If the rider can be obtained, the risk is added to the coverages.

http://legal-dictionary.thefreedictionary.com/rider

Zoe Bell

does the term "rider" apply when you are additionally insuring against something the primary insurer has specifically forbidden though? the problem in the first example is that if you total the boat at night the insurer is going to come after you for considerably more than the damage you caused because you willfully breached the conditions of your policy

I always thought rider was just for additional coverage.

Jingsamichty

An endorsement?