Endorsement in Car Insurance

An endorsement in insurance policy is a formal amendment or change applied to your existing car insurance contract. It updates specific information without requiring a brand-new policy. In simple terms, it is an additional document that includes an official change to your insurance policy, with the insurer’s approval.

An endorsement in insurance policy terms refers to a written clause that alters, adds, or removes a condition or detail in your original insurance agreement. It modifies the contract by updating personal information, vehicle details, coverage limits, or additional protections, while keeping the rest of the policy unchanged.

You can update things like your personal details, the car’s Insured Declared Value (IDV), or even the coverage you need. These changes are recorded in your policy and are legally valid. Endorsements are not always compulsory, but they help keep your policy accurate and useful when you really need it.

A car insurance policy provides the basic insurance contract, while an endorsement updates selected elements within that contract. When the policy remains valid, the endorsed change becomes legally binding