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Endorsement in Car Insurance Policy

  • Author :
  • TATA AIG Team
  • Published on :
  • 01/07/2022

Have you recently changed your phone number or your address, or do you need to update the information given in your insurance plan? Or have you misspelt your name on the policy? Or do you wish to transfer your policy to another insurer? In such situations, you can make endorsements in your car insurance plan. Before we get to the endorsement meaning in insurance, we must understand the importance of having a car insurance plan. A third-party car insurance plan is compulsory as per Indian law. But, having a comprehensive plan is recommended because it offers enhanced coverage. Buying insurance for a four-wheeler online can be a simple and easy process.

With Tata AIG, you can go online on our website and buy a car insurance policy with ease. You can also renew your car insurance plan by simply visiting the website. Also, if you want to know the insurance premium that you need to pay for your car insurance policy, you can use the car insurance premium calculator available on the website. Let us understand the policy endorsement meaning.

What is Endorsement?

People often have the need to make some changes in their car insurance plans per their preferences and needs. This is the endorsement meaning in insurance. In simple terms, an insurance endorsement means making additions and changes to the terms and conditions that are mentioned in the car insurance plan. A car insurance endorsement allows a policyholder to delete, add, eliminate, or alter the existing terms of your car insurance plan.

Because the basic reason for an endorsement is to make alterations in the car insurance policy, it can mean anything from adding or reducing the coverage, deducting a few parts so that you can lower the premium, or making changes to your personal information. In addition, with insurance endorsements, you can make legally binding amendments to your insurance plan.

Now that you know what is endorsement and policy endorsement meaning, let us go ahead.

How Often Can Insurance Policy Endorsement be Made?

You can make an endorsement in your car insurance policy in the mid-term, at the time of renewal of an expired policy or during the time of purchasing a new car insurance policy. Many people think that they can make endorsements as many times as they want to, but that is certainly not the case.

While you can make policy endorsements in car insurance, it is recommended that you do so only once or two times a year. If you make many endorsements during the policy term, then the policy is more prone to mistakes which is not a wise decision. This can lead to issues at the time of filing car insurance claims.

What are the Different Policy Endorsements in Car Insurance that You Can Make?

Here is the list of the car insurance policy endorsements that you can make:

  • Corrections or changes in the car engine number
  • Corrections or changes in the car registration number
  • Corrections or changes in the car chassis number
  • Corrections or changes in your address, name, email id, etc.
  • Inclusion of LPG or CNG kit
  • Corrections or changes in the seating capacity or the passengers who are covered
  • Corrections or changes in the cubic capacity of the car
  • Corrections or changes in the car’s make or model
  • Decreasing or increasing the voluntary deductibles in your car insurance plan
  • Corrections or changes in the NCB
  • Corrections or changes in the nominee’s details
  • Corrections or changes in the type of fuel of the car
  • Corrections or changes in the Insured Declared Value of the car
  • Corrections or changes in the manufacturing year of the car
  • At the time of car ownership transfer
  • If there is a mismatch in the amount of premium
  • In case of addition or elimination of any electrical accessories in your car

How to Make Insurance Policy Endorsements?

Here are the steps that you need to take for car insurance endorsement:

  1. Call your insurance company and then confirm the process of making endorsements in your car insurance.
  2. You might be asked to make the endorsement online or through an email or a written request for adding an endorsement.
  3. Submit all the documents that are stated for making the insurance policy endorsements. For example, if you added CNG endorsement on the RC and want to include it in your policy, then you need to submit all the documents.
  4. The application for endorsement will be verified.
  5. After the verification, the endorsement will be approved, and the new premium will be calculated according to the policy endorsement in car insurance.
  6. After this, you will be provided with an endorsement certificate.
  7. The new policy reflecting the changes will also be issued to you.

How Long is the Validity of the Policy Endorsement in Car Insurance?

The insurance endorsement becomes a part of your insurance contract, which means that it remains valid for the term of your policy. If you do not wish to make any more changes at the time of renewal of your policy, the policy endorsements in your car insurance will be activated and will remain so till the end of your next policy term.

In some cases, the insurance endorsements are added for a specific period of time as stated in the policy by the insurer. So, it is advisable to read all the terms and conditions mentioned in the policy before you make an endorsement or sign a contract.

What if the Insurer Makes Changes to my Insurance Document?

If you receive a notification regarding changes or endorsements being made to your policy document and you are not aware of it, it is essential that you immediately contact your insurer. Make sure that you have all the information regarding any insurance endorsements being made. If you come to know about an endorsement and you object to it, then you should inform your insurance company about this. Always obtain clarification regarding any endorsements being made to your car insurance plan.


This is all you need to know about the policy endorsement meaning. It is essential that you understand everything about endorsements before you make one in your car insurance policy. It is important to understand that having a car insurance plan ensures that you are financially protected if there is an accident on the road involving the insured vehicle. So, insure your car and drive carefully on the Indian roads.

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Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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