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A schedule or writing annexed to a document such as a legislative bill or insurance policy.

A rider is an attachment, schedule, amendment, or other writing that is annexed (added) to a document in order to modify it. The changes may be small or large, but in either case the primary purpose of the rider is to avoid rewriting or redrafting the document entirely. The language of the rider is understood to be incorporated into the document. Riders are commonly used in contracts and records and also have complex uses in legislation and insurance. As part of the lawmaking process in both state legislatures and Congress, riders are typically added to bills at a late stage in their evolution. In the insurance industry, riders are added to insurance policies to modify both benefits and the conditions of coverage.

The use of riders in the legislative process is a time-honored tradition. Lawmakers do not add riders immediately but instead wait for the appropriate stage in the evolution of a bill. Traditionally legislative bills start out as proposals that are sent to committees for approval or dis-approval. Once a bill successfully passes out of committee, lawmakers frequently amend it with a rider. The rider may simply add a new clause to the law that is the main subject of the bill, or it may go further and add an entirely new, unrelated law.

The addition of riders reveals much about the political agendas of lawmakers. Riders make ideal opportunities to introduce controversial or unpopular fiscal changes. Often these are attached to appropriations bills, which must be passed annually to fund the operation of state and federal government. Some lawmakers have traditionally seen such bills as the place to add extra appropriations for projects they and their constituents favor—a kind of funding known pejoratively as pork. Conversely, legislators may add riders that cut spending in areas that would attract public protest if the changes were the single subject of a bill and thus more noticeable.

Lawmakers' attempts to add new laws to bills through riders are sometimes controversial. Since a rider need not be related to the subject matter of the bill, legislators sometimes seize the opportunity to further their political agendas. A rider may be attached to a bill in an attempt to sneak through a measure that would not attract majority support if proposed by itself. Sometimes, too, a bill's opponents may attempt to defeat it by adding a controversial rider.

In insurance, riders change the contract, or policy, between the purchaser and the insurance company. Also known as endorsements, they can either expand or restrict the benefits provided by the policy. Thus, for example, personal automobile insurance policies generally cover only typical use of the vehicle. A rider specifies that commercial use of the car will make the policy null and void. This form of insurance rider is called an exclusion.

Riders in Health Insurance policies have other effects. They increase the cost of the policy or even exclude coverage altogether when the purchaser has certain preexisting health conditions. For example, someone suffering from high blood pressure may pay higher costs for insurance. In certain cases the insurer may choose to issue a policy with the stipulation that it will cover certain health-related costs but not those costs associated with the preexisting condition.


n. 1) an attachment to a document which adds to or amends it. Typical is an added provision to an insurance policy, such as additional coverage or temporary insurance to cover a public event. 2) in legislatures, a rider is an amendment tacked on to a bill which has little or no relevance to the main purpose of the legislation, but is a way to get the amendment passed if the basic bill has support. 3) passenger.


noun accompaniment, addendum, additament, addition, additional clause, adjunct, affix, amendment, appendage, appendant, appendix, appurtenance, augmentation, complement, continuation, extension, insertion, postscript, subjunction, subscript, supplement
Associated concepts: codicil, rider to a contract
See also: addendum, allonge, amendment, appendix, legislation, supplement


an additional clause, amendment, or stipulation added to a legal or other document. In particular, a statement made by a jury in addition to its verdict, such as a recommendation for mercy.

RIDER, practice, legislation. A schedule or small piece of paper or parchment added to some part of the record; as, when, on the reading of a bill in the legislature, a new clause is added, this is tacked to the bill on a separate piece of paper, and is called a rider.

References in periodicals archive ?
And he was one of the few horses that finished riderless in the Grand National as well.
The line-up is completed by a riderless horse with an electronic ribbon showing stock exchange prices, an aluminum mask and a sculpture that combines aspects of the other statues in the square.
RIDERLESS A jockey still have to be booked for Sir Des Champs in today's Gold Cup
The family had fallen off their jet ski and were struggling to stay afloat when the deputies spotted them after seeing the riderless jet ski floating near the north end of Turtle Rock Island.
They are also looking at measures to reduce the possibility of a riderless horse travelling an extended distance before being caught prior to the National start.
Fence heights remain unchanged Field size Monitoring to continue but no plan to reduce 40-runner limit Irrigation Additional PS100,000 spent in further improving watering capabilities Landing areas Levelling process carried out on fence one after 2011 review extended to fences four, five and 13 Riderless horses After investments in 2009 to create bypassing areas and catching pen at Canal Turn, additional catching pen will be trialled in the region of fence four to assist in catching riderless horses and mitigate risk of injury
But having fallen at Becher's Brook on the first circuit he ran riderless until falling again at the 11th fence, where it appeared he fractured his right-hind tibia and fibula.
Synchronised, trained by Jonjo O'Neill and ridden by Tony McCoy, had got loose before the start, and fell at Becher's, the sixth fence on the first circuit, before running on riderless.
He was injured when a smash in front of him sent a riderless bike career back across the circuit's home straight.
With his riderless horse looming over him, Paul is shown helpless, his previous plans shattered.
His hopes rest with the talented Idle Talk, who was left to jump round the Cheltenham Gold Cup course riderless after parting company with Jason Maguire.
Ms Parry understands Ellie was on the front donkey in a line of two others, both with children on, and three riderless donkeys.