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Endorsement in Car Insurance

Written by Sharad Bajaj
Updated On Oct 15, 20232 min read

What is ‘endorsement’ in car insurance? Read this article to find out.

A two-wheeler insurance endorsement is a change to your insurance policy. Changes can include changes to personal or vehicle information as well as the extent of coverage. When there are faults or errors in the material contained in the policy document, the policy is endorsed. You can also update your insurance coverage; however, it is recommended that you do it at the time of renewal.

Endorsement in Car Insurance

Effect Of Endorsements On Motorcycle Insurance Premiums

Upgrading your bike with an aesthetic appeal adds a lot of value to your vehicle, which raises the IDV of the two-wheeler. You could also have fitted an anti-theft device to secure your vehicle.

If you make such changes in the middle of the policy period, you must commence endorsement of the changes in your policy document. These endorsements cause the insurance premium to rise or reduce . Due to a lack of transparency, your insurer may refuse to settle your claim if you do not notify them of the changes to your car.

Modifications To The Existing Two-Wheeler Insurance Details

There could be an error or omission in the existing policy document's information. By getting endorsements from your insurer, you can make changes to the existing details of your bike insurance policy.

You can modify personal information such as your name, address, email address, phone number, and so on. Once the endorsement or change is complete, you will receive a new policy paper with the updated information.

Changes To The Existing Two-Wheeler Insurance Information

You can also request additions to your current bike insurance policy. Again, approval is required to make the necessary changes. Additions might take the form of additional coverage to supplement the basic plan.

While it is prudent to check your bike insurance policy's coverage, it is preferable to do so while renewing the policy rather than modifying it during the policy time.

How Can I Add An Endorsement To My Two-Wheeler Insurance Policy?

To make an endorsement in bike insurance, policy follow the procedures below.

Step 1: Contact your insurance provider or aggregator to begin the endorsement in your two-wheeler insurance policy.

Step 2: Share information about your policy, such as your name and contact information.

Step 3: Provide information about any modifications to your bike insurance coverage.

Step 4: If necessary, provide supporting documentation to authenticate the changes.

Step 5: Our customer service team will begin the endorsement process.

Two-Wheeler Insurance Endorsement Validity

The adjustments or endorsement to the two-wheeler insurance policy take effect on the date the insurer authorised and endorsed them. The endorsement remains in effect until the policy's expiration date or until another endorsement is executed. Furthermore, an endorsement made to a specific insurance plan component is valid in accordance with its terms and conditions.

How Many Times Can I Make A Two-Wheeler Insurance Endorsement?

You can add endorsements to your bike insurance policy as many times as you want. However, it is preferable to make endorsements no more than once or twice a year. When amending the records, several endorsements can cause confusion. Errors in records might be a liability in the event of a claim.


The ability to add an endorsement to your two-wheeler insurance policy is really useful. It is much better if you do not make more than two endorsements within the policy period to avoid record problems. When you make endorsements for appropriate reasons, they will undoubtedly help you maintain factual information in the policy document and will not have an influence on your claims owing to false information about your car and personal details.

Also Read: 

5 Reasons Why Buying Car Insurance Online Is A Smart Choice

Best Car Insurance Policy for People in Their 30s


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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Written by Sharad Bajaj
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 Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.

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