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      Know Everything About Endorsements in Car Insurance Policy

      The endorsement in a car insurance policy refers to changing the details or information mentioned in the policy document. In simpler terms, it means making modifications to the existing car insurance policy documents.

      Read more

      What is Endorsement in Car Insurance Policy?

      When you buy a car insurance policy from an insurer, your policy documents have specific details about the car like renewal date, personal information, policy number, etc. But sometimes, these details might be wrong or incorrect. If there is any error, you should rectify those errors as early as possible. The process of rectifying those errors is known as an endorsement in the insurance policy.

      Depending upon their terms and conditions, your insurer might cancel the previous policy and issue a new one by making necessary changes or they will provide an extended letter with all the changes along with your original policy documents. Therefore, endorsement can be considered an agreement between the policyholder and the insurer to make changes regarding the rectifications in the policy documents.

      Car Insurance Endorsement Validity

      Endorsement of the policy is conducted just after the policy is issued. You can easily endorse your policy before the renewal or during the policy tenure. The car insurance endorsement validity depends upon the type of endorsement and the terms & conditions of the insurer.

      How Many Times You Can Do Car Insurance Endorsements?

      Many people believe that they can make multiple endorsements in their policy documents during the policy period. However, it is not possible. You can make any changes or edits to your car insurance policy once or twice a year, depending upon the insurer's terms & conditions.

      Moreover, it is advised not to make frequent changes in your policy documents as this might create confusion while updating the records. Also, it can impact you adversely at the time of raising claims.

      Types of Car Insurance Endorsements

      The extent of endorsements in a four-wheeler insurance is divided into two parts- financial endorsements and non-financial endorsements. Here is a table showing different types of endorsements falling under both categories-

      1. Financial Endorsement

        It refers to written changes made in the policy documents for which the insurer will be charging a fee.

        Serial No. Name of Endorsement Documents Required Duration Fee Amount Need for Inspection
        1. Seating Capacity RC copy (front + back) 10 Days N/A N/A
        2. Personal Accident Owner Driver Aadhar card + Driving License 10 Days Rs 350-450 (depends upon the insurer) N/A
        3. Paid Driver 3 months’ salary slip of the driver 10 Days Rs 50 N/A
        4. Unnamed Passenger Cover Copy of the RC (front + back) 10 Days Rs. 50 for 1 lakh cover & Rs 100 for 2 lakh cover N/A
        5. CNG Addition External Invoice of the CNG kit & RC copy (front + back) 10 Days Rs 60+4% of the kit value Required
        6. CNG Addition Company Fitted Copy of the RC (front + back) 10 Days Rs 60+5% of the OD Premium Required
        7. Fuel Type Copy of the RC (front + back) 10 Days Short fall amount declared by the insurer May be required
        8. Cubic Capacity of the Car (CC) Copy of the RC (front + back) 10 Days Short fall amount declared by the insurer May be required
        9. Change in IDV Copy of the RC (front + back) + Previous Year Policy 10 Days Short fall amount declared by the insurer May be required
        10. Date of Manufacturing Copy of the RC (front + back) 10 Days Short fall amount declared by the insurer May be required
        11. Model & Variant of the Car Copy of the RC (front + back) 10 Days Short fall amount declared by the insurer May be required
        12. Period of the Insurance Previous Year Policy 10 Days Short fall amount declared by the insurer May be required
        13. Transfer of the Ownership Updated RC/Form 29&30/Receipt/ + New Owner DOB, Address, Mobile No, Email Address, Nominee Name, DOB of the Nominee, Relation (in case PA cover is part of the policy) 10 Days Rs 60 Admin Fee + Short fall amount declared by the insurer(if NCB or claim has been taken in the current policy) Required
      2. Non-financial Endorsement

        It refers to those modifications in the policy documents for which the insurer will not charge any fee and do the required changes.

        Serial No. Name of Endorsement Documents Required Duration Fee Need for Inspection
        1. Addition of GST No. GST certificate 10 Days N/A N/A
        2. Communication Address Written Consent 10 Days N/A N/A
        3. Date of Birth (DOB) Written Consent 10 Days N/A N/A
        4. Color Change of the Car Copy of the RC (front + back) 10 Days N/A N/A
        5. Email Address Written Consent 10 Days N/A N/A
        6. Chassis Number Copy of the RC (front + back) 10 Days N/A N/A
        7. Engine Number Copy of the RC (front + back) 10 Days N/A N/A
        8. Hypothecation Remove NOC from the bank against loan 10 Days N/A N/A
        9. Hypothecation Addition Copy of the RC (front + back) + Load Declaration + Letter from Bank 10 Days N/A N/A
        10. Insured Name Copy of the RC (front + back) + Previous Year Policy 10 Days N/A N/A
        11. Mobile No. Written Consent 10 Days N/A N/A
        12. NCB Certificate Previous Year Policy + Sell Letter + NCB Declaration from Previous Insurer 10 Days N/A N/A
        13. Nominee Details Name + DOB + Relation with Written Consent 10 Days N/A N/A
        14. Registration Number Copy of the RC front + back (can be financial also) 10 Days N/A N/A
        15. Salutation Written Consent 10 Days N/A N/A

      Final Words

      A policyholder can request the endorsements by connecting with their insurer’s customer care team and submitting the required documents to substantiate those changes. However, the insurer will only make the necessary changes after checking the authenticity of the submitted documents.

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