What is the Extended Non-Owned Coverage endorsement primarily used for?

The Extended Non-Owned Coverage endorsement is primarily utilized to provide coverage for vehicles that an insured may operate but do not personally own. While this endorsement can apply in various contexts, its primary purpose centers around the use of vehicles that are not owned by the insured, such as a company car.

This endorsement extends liability and, in some cases, physical damage coverage to those vehicles that the insured may be temporarily using for business purposes, which can include a company car that they drive as part of their employment.

In the context of the other options, while vehicles owned by family members or rental cars may also have coverage provisions, these do not specifically align with the primary intent of the Extended Non-Owned Coverage endorsement. For example, vehicles owned by family members generally fall under a household policy, and rental cars may have separate coverage options that specific policies address rather than the extended endorsement.

Therefore, the focus on company cars highlights the essence of this endorsement, helping ensure that individuals are protected while using vehicles they do not own in the course of their business activities.