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Endorsement In Two-Wheeler Insurance: Meaning And Its Types

Published On Sep 27, 2022

Endorsement In Two-Wheeler Insurance: Meaning And Its Types

Your two-wheeler needs protection the same as everything else in life. The roads are sometimes in poor condition, which can cause costly damage to your two-wheeler. Therefore, investing in a plan that covers two-wheelers is a smart move.

However, at times it may happen so that you need to make changes in your two-wheeler insurance plan. This is where the endorsement feature of a two-wheeler insurance plan comes in handy. So what is endorsement and how is it helpful? Let’s find out!

Endorsement In Two-Wheeler Insurance: Meaning And Its Types

Meaning of Endorsement in Two-wheeler Insurance

Any modification that is made to the policy document for a two-wheeler should be indicated by an endorsement on the policy for that vehicle. An endorsement is a document that modifies or adds to the terms of a two-wheeler insurance policy. This document is known as an endorsement. 

These can include any modifications relative to the coverage that is offered by the insurance policy, as well as any changes to the policyholder's personal information. It is vitally crucial that the adjustments be made as soon as any new addition or alteration is made in order to ensure that there aren't any inconsistencies when the claims are being processed.                

Types of Endorsements in Two-Wheeler Insurance

Below we have enlisted some common types of endorsement in a two-wheeler insurance policy - 

  • Changes to Existing Two-wheeler Insurance Details

With the additional assistance of endorsements, you can change the way your two-wheeler insurance policy is set up. If and when these changes are approved, they are written down and prepared to replace the old policy documents. Changes to personal information like email address, phone number, etc. are acceptable, as are requests to change policy coverage and other terms of the original existing policy. It's crucial to keep a duplicate of the new document and the endorsement certificate, if one is given, so you can check that the changes have been made.

  • Additions to Existing Two-Wheeler Insurance Information

A policyholder can make changes to their two-wheeler insurance policy, but they can also add to the terms and conditions or coverage of their policy. To make such adjustments, an endorsement request is necessary. This can be done by adding the right clauses, so the whole policy document doesn't have to be changed. You can also use endorsements to cut back on the coverage.

How to Add a Two Wheeler to Your Insurance?

To add a two-wheeler to your insurance policy, you must send your insurance company a written request. When you ask the insurance company for an endorsement, you must send the supporting documents. A valid endorsement certificate will be issued by the insurance company once the endorsement has been reviewed and approved. It is recommended that you contact your bike insurance provider in advance of requesting an endorsement, as the necessary paperwork for each type of endorsement varies.

How Many Times Are Additions Allowed on a Two Wheeler Insurance Policy?

Although you can make as many changes to your two-wheeler insurance policy as you like, it's best to just do it once or twice every policy year to avoid any potential claim complications. Two-wheeler insurance policies can be renewed and endorsed at any point during the policy period.

What are the requirements for a Two-Wheeler Insurance Endorsement to be Valid?

After receiving insurance company approval, the endorsement is processed and added to the two-wheeler policy. If an endorsement is added, it will remain in effect until the conclusion of the policy term. The change that was made to a specific portion of the plan works with the policy's validity.


When you make a change to your two-wheeler insurance policy through an endorsement, that change will remain in effect for as long as your policy is in effect, or for as long as the specific provision of your policy that was amended remains in effect, whichever is longer. All policyholders can use this amazing flexibility, which is very beneficial and informative. Make sure that your two-wheeler insurance plan is correct in every way. It will only make it easier to settle your claims and keep you from getting in trouble.

Also read: Two-Wheelers Add-on Covers: Meaning, Benefits, And Advantages

Here’re The Top Reasons For Buying A Two-Wheeler Insurance Plan


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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