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$47.99 (as of April 22, 2024 18:00 GMT +00:00 - More infoProduct prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on [relevant Amazon Site(s), as applicable] at the time of purchase will apply to the purchase of this product.)During the course of your car insurance policy, you might come across various instances that might require you to make changes to your insurance plan. Some of them may include relocation, changes in the spelling of your name, your phone number, etc. In such cases, you can contact your insurance company and make the changes. This is known as an endorsement in car insurance.
An endorsement in car insurance refers to any amendments that you make to your car insurance policy. During the period of your policy, if you feel the need to include some add-on covers or increase your coverage, then that would be considered making endorsements in your car insurance policy.
How often can you make endorsements in your car insurance policy?
The car insurance company gives you the liberty to make changes to your policy. But there are limitations to the amount of time you can make endorsements. You can make a car insurance endorsement either at the time of purchasing a new policy, at the time of your annual renewal, or during the mid-term. Avoid making frequent changes to your car insurance, as it can take a lot of your time. Plus, every time you get insurance endorsements, your premium rates are affected. It could either increase or decrease your premiums. Hence, do it only under necessary circumstances and not just to exploit the choice of making amendments to your car insurance policy.
What kind of endorsements can you make?
Let’s say you have a four-wheeler and have recently relocated to a new city. You will need to inform your insurer about the same and get changes made to your four-wheeler insurance that will be subjective to the location you are moving to. In this case, you can make endorsements to your policy like changing your address, getting new add-on coverages-registration etc. All in all, you can make endorsements by adding or removing clauses as per your choice or by modifying certain pieces of information.
Besides that, below are other kinds of auto endorsements offered by insurance companies
- Changes to your name, address, phone number, or email address
- Change or correction in the registration number of the vehicle
- Change or correction in the engine number
- Change or correction in the vehicle’s seating capacity or the passengers covered
- Change or correction in the vehicle’s cubic capacity
- Change or correction in the registration number of the vehicle
- Change or correction in the vehicle’s variant, or model
- Correction in the vehicle’s seating capacity or the passengers covered
- Adding or increasing voluntary deductibles
- Corrections to your vehicle’s year of manufacture
- Transferring the ownership of the car
- Inclusion of a CNG or LPG Kit
- Issues with premiums
- Change or correction in the vehicle’s variant, or model
- Addition of removal of accessories of the car
- Any changes or corrections in the No Claim Bonus (NCB)
- Changes or corrections to the nominee’s information
- Modification or correction to the chassis number
- Any changes or corrections in the No Claim Bonus
- Changes or corrections to your vehicle’s fuel type
- Changes or corrections to your car’s insured declared value
- Changes or corrections to your vehicle’s year of manufacture
- Any corrections in the No Claim Bonus
What is the process for making car insurance policy endorsements?
Before you begin the process of making the endorsements, you must get all the information that you need. You should learn about your updated premium amount, the reformation in your clause, terms and conditions, rules and regulations. Weight out your options and figure out if you really need the endorsements. Keep all your documents updated and pay your premiums on time. If you fail to achieve any of these tasks, then your request for the endorsements may be rejected by your insurer.
Here is the process that you need to follow to make the endorsements.
Approach your insurer, notify them about your decision and get it approved verbally. Send request letter mentioning all the endorsements that you need. Along with that, attach all the necessary documents. Once your insurer has done their due process, they will approve your request and inform you of the same. Lastly, they will make the requested endorsements and send you the updated policy.
The endorsement option in your car insurance policy allows you to change your policy as per your needs. So if at any point, even in the middle of the period of your policy, you feel like making amendments to it or changing your insurer, you can do so with the help of this feature. However, make sure to adhere to the guidelines of your insurer so your request is approved without any hassle.
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