How to Change Nominee in Car Insurance Plan – A Complete Guide
How to Change Nominee in Car Insurance Plan – A Complete Guide
Updating the nominee in car insurance is often overlooked, but it’s a critical step to ensure the right person receives the policy benefits if something unfortunate happens. Life events like marriage, or the passing of a previous nominee may require you to update this detail quickly and correctly.
Thankfully, you can now change nominee in car insurance online with minimal effort. However, it’s important to ensure all documents are in order and that the changes are reflected in your policy records. A small delay or incorrect entry might lead to claim issues later. So, if your circumstances have changed, don’t wait, take the time to keep your nominee in car insurance updated and aligned with your current needs.
Who is a Nominee in Car Insurance?
A nominee in car insurance is the person you choose to receive the policy benefits if something happens to you. It’s an important part of your policy that makes sure the right person gets the claim amount without any confusion or legal trouble.
Here’s what you should know about the nominee in car insurance:
The car insurance nominee is usually a close family member like your spouse, child, or parent.
You have to add the nominee’s name and details when buying or updating your car insurance online.
If the policyholder passes away, the nominee can claim the benefits—if the policy is still active.
Naming a nominee helps avoid legal disputes, especially when there are multiple legal heirs.
If no nominee is named, the benefits will go to the legal heir based on natural succession laws.
Choosing the right nominee in motor insurance makes the process easier for your family and ensures the benefits go to the right person.
Is a nominee a must for Car insurance?
While it’s not mandatory by law to mention a nominee in car insurance, it's strongly recommended. Without a nominee, claim settlement can become a lengthy and complicated process for your family. The insurer may require a succession certificate or legal heir proof before releasing the amount. Naming a nominee ensures smooth and hassle-free claim payout.
Why It’s Important to Change the Nominee in Car Insurance
Your car insurance policy should reflect your current life situation — especially when it comes to the nominee. If there’s a change in your personal relationships, it’s important to update the nominee details to avoid confusion later. Here’s when you should consider it:
You recently got married and want to add your spouse as the nominee.
You’ve gone through a divorce and wish to remove your ex-partner.
The person previously nominated is no longer alive.
You now prefer to nominate a parent or your children.
Your bond or connection with the current nominee has changed.
Keeping the nominee information current ensures that the rightful person can receive the support and settlement without legal complications during a claim.
How to Change Nominee name in Car Insurance policy – Step by Step
Need to update the nominee in your car insurance policy with TATA AIG? It’s easier than you think. Whether it’s due to a major life change or simply a correction, keeping your nominee details accurate ensures a hassle-free claim process later. Here’s how to do it:
1. Log in to the TATA AIG Website or App:
Head to the official TATA AIG portal and sign in using your registered email ID or mobile number linked to your motor insurance policy.
2. Go to Your Policy Details:
Once logged in, navigate to your car policy. Find the “Edit” or “Modify Policy” section, and click on the “Edit/Add Nominee” option.
3. Raise an Endorsement Request:
You can submit a request to change nominee either online through the website or offline by calling customer care or sending an email. This step is called a policy endorsement.
4. Enter the New Nominee Details:
Fill in the updated nominee information—name, relationship to you, age, and contact details. Make sure everything is accurate.
5. Submit Supporting Documents (If Needed):
TATA AIG might ask for an ID proof or a signed endorsement letter. Upload these through the portal if required.
6. Get Confirmation:
Once the insurer processes your request, you'll get an email or app notification confirming the change. Your revised car insurance document will show the updated nominee details. Don’t forget to save it!
7. Inform Your Family:
Let your loved ones know about the updated nominee. This helps avoid any confusion during a future claim.
Keeping your nominee in car insurance updated is not just a formality—it ensures that your policy benefits reach the right person without delays.
Online vs Offline Nominee Change Process
Wondering whether to update your car insurance nominee online or offline? Understanding the online vs offline nominee change process helps you choose what suits you best. Here's a quick comparison to simplify your decision:
| Factor | Online Process | Offline Process |
|---|---|---|
| Convenience | Can be done from anywhere via app or website. | Needs a branch visit or physical form submission |
| Speed | Usually faster, within 24–48 hours | May take a few working days |
| Documentation | E-documents or uploads needed | Hard copies of forms and ID proofs required |
| Confirmation | Digital confirmation via SMS or email | Manual follow-up may be needed. |
