No need for a policy rider. Just do the following - set aside $30-50 per month into a jar. In 1 year, you'll have $600 saved. Lower your "premiums" if you feel you have a lower accident potential to amortize the amount over a longer time. Best part is if you crash, the money is there, if you don't crash, the money is STILL there, unlike a regular policy. Just be good and keep your sticky fingers outta the jar!