What Is Endorsement In Car Insurance?

Endorsements are an essential feature for existing policyholders who can amend or make changes to their existing policy due to their present circumstances. This can be due to several reasons, such as a change in address, ownership of the vehicle, added car accessories and more.

An endorsement in car insurance is when you make amendments or changes to your current insurance plan. Changes can either be due to any mistake made at the time of application or due to any change in your current circumstances. Either way, these changes need to be made as soon as possible.

Endorsements vary from insurer to insurer. Some might cancel your current policy and issue a new one, while others might make all changes in your policy by asking you to issue an extended letter citing your concern.

Types of Car Insurance Endorsements

1 Financial Endorsements

As the name suggests, financial endorsements are changes that affect the price of your premium. These include:

Change of car model/variant
Adding a CNG kit
Transfer of Ownership

2 Non-financial Endorsements

Non-financial endorsements refer to those amends that can be made to your insurance plan without any extra charge. These include:

Spelling correction of name
Email ID
Residential Address
Contact Number

What are Car Insurance Endorsement Charges?

Certain endorsements affect the price of your insurance premium. Such increases or decreases in policy prices are referred to as endorsement charges. Here are some changes that could affect your premium rates –

Increasing Policy Coverage

Reducing voluntary deductibles, adding riders to your comprehensive insurance policy, or LPG or CNG endorsement on insurance charges can increase your policy coverage.

Decreasing Policy Coverage

Reducing or eliminating add-ons or increasing the voluntary deductibles can result in a drop in your premium price.

Changes Regarding Car Details

Installing various vehicle security devices such as anti-theft and more can reduce premium prices. Similarly, changing to a better car engine or sound system will increase your premium price.

Changes You Can Make In A Car Insurance Policy

Changes That Won’t Increase/Decrease Your Premiums

Changes or corrections in car engine number

Transfer of car ownership

Changes or corrections in car registration number

Changing the manufacturing year of your vehicle

Change or rectification of personal details such as name, address, contact number, email address, etc.

Changes That Will Increase/Decrease Your Premiums

Inclusion of LPG or CNG kit

Modification of car chassis number

Addition or elimination of any electrical accessory in your car

Changing the fuel type of your vehicle

Modifications in the NCB

Decreasing or increasing add-on services in your car insurance policy

In case of any mismatch in the premium amount

Changes in the vehicle’s cubic capacity

In case you change the make, model or variant

Changing the vehicle’s seating capacity or the passengers covered

Need Guidance on Car Insurance Plans?

Connect with Our Insurance Experts

Call Us

Importance of IndusInd Car Insurance Endorsements

Endorsements are essential as they help keep your IndusInd General Insurance policy up-to-date and accurate for seamless claims at the required hour. Here’s how you benefit from various endorsements in car insurance:

Claim Settlements

Keeping your insurance details accurate ensures a smoother process. Endorsements help you to rectify or change any information that you had submitted initially to keep your file up to date.

Legal Compliance

Having an updated policy ensures that you are legally compliant with the insurance regulations.

Flexible Adjustments

Car insurance endorsements allow you to modify your existing policy by adding or eliminating add-ons based on your requirements.

Updating your Details

Endorsements allow you to update or rectify your details in regards to your name, address, email address, phone number and more.

IndusInd General Insurance Endorsement Validity

The insurance endorsement is activated just as your IndusInd General Insurance policy is active and is valid throughout the term of your policy unless cancelled or modified. If you haven’t made any changes since your policy, then the endorsement will remain active till your policy expires.

However, you should check the terms and conditions of your policy from time to time to ensure that they still align with your current situation. Circumstances such as a transfer of ownership may automatically modify or extend your endorsement.

Frequency of Car Insurance Endorsement Validity

A very common misconception is that you can make as many endorsements a year as you want, but that is certainly not true. Multiple endorsements can only lead to more mistakes that would not be favourable for the policyholder, especially when filing a claim.

You can make endorsements either at the very beginning of purchasing or renewing a policy or mid-term and stick to only one or a maximum of two endorsements a year. This reduces paperwork and minimises all clutter during an insurance claim.

What is the Endorsement Process With IndusInd General Insurance?

Process

Raise A Request

The first step is to raise a request for endorsement with your insurance company. You can proceed by:

Contacting us – +91 22 48903009
Reaching us via email – [email protected]
Personally visiting our insurance branch office.

Document Submission

The next step is submitting the necessary documents. The need for documents depends on the nature of the endorsement.

Payment

After submitting the document, we will examine the endorsement request and determine if it is a financial or non-financial endorsement.

Endorsement Certificate

Once you have paid for your endorsement fee (if applicable), we will make the changes in our database and send you a letter with the new details made after the endorsement.

Note: This letter is known as the endorsement certificate and helps you keep track of the changes you have made in your policy. You should store all the certificates safely. In case of any confusion at the time of a claim, you can easily refer to the certificate(s) to avoid confusion.

Auto Insurance Endorsement Turnaround Times

Endorsement Turnaround Time or TAT is the time taken by the insurance company in making the said changes to your policy. The TAT depends highly on the type of endorsement you wish to carry out. Ideally, a financial endorsement takes longer to be made compared to a non-financial one. Here’s roughly how much TAT is taken by insurance companies

Type of Endorsement	Turn Around Time
Financial Endorsement	5-7 working days
Non-financial Endorsement	24-48 hours

key Takeaways

Car insurance endorsements provide flexibility to IndusInd General Insurance policyholders, who can modify their insurance premiums as they choose. It also allows them to rectify their mistakes at the time of purchase or renewal. Always consult your insurer to understand how a car insurance endorsement might impact your coverage and premium.

Author - Model Car

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Car insurance starting at just ₹308 per month*

Secure Your Car in Minutes!

Experience fast online services and dedicated support, so you’re never stuck when the unexpected happens!*

Get Car Insurance

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

Balasaheb Babu Rao Deosarkar

Yavatmal

4.5

Seamless digital experience

My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

Abdul Bawani

Yavatmal

Quick policy issuance

Purchcasing my Car felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Debashish Sen

West Tripura

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Rupak Das

West Tripura

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Prasen Jitpal

West Midnapore

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Sankuratri Venkata Bulli Rani

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Manthenaravi Teja Varma

West Godavari

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I'm happy with how everything went and feel secure with my policy.

Karem Raja Rao

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Nekkalapu Vijaya Lakshmi

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Gunnampurna Chandrasekhar

West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Vendrabala Nageswara Rao

West Godavari

Quick policy issuance

I had a positive overall experience while applying for Car insurance from Reliance (now IndusInd) . It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time. I found the entire process trustworthy and efficient.

Balla Leela Naga Surya Kumari

West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Narendra Kumardevaneni

West Godavari

Quick policy issuance

I was impressed by the overall Reliance Insurance (now IndusInd Insurance) experience. The platform was intuitive, and the coverage felt like a perfect fit. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Sobhit Gupta

New Delhi

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Ritesh Gupta

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good experience.

Nishida Noonhampurath

Wayanad

Quick policy issuance

The journey of purchasing car insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Sushil Madhukar Raosapkal

Washim

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs. I'm happy with how everything went and feel secure with my policy.

Gaddam Keerthi

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. The process felt reliable and I would recommend it to others.

Nagamandla Rama Devi

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Nadipellimadhava Rao

Warangal

Quick policy issuance

The journey of purchasing car insurance from Reliance (now IndusInd) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Sayyedja Lalahamed

Warangal

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Jaya Krishna Madupu

Warangal

Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

Thanneeru Srinivas

Warangal

Quick policy issuance

I had a positive overall experience while applying for Car insurance. It aligns well with what I needed from an insurance policy.

Harikrishna Kavati

Warangal

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Asra Parveen

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Veldandi Satish

Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. The process felt reliable and I would recommend it to others.

Mugala Manohar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Mutika Raju

Warangal

Quick policy issuance

Buying a Car policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Kotte Siromani

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. While digital is fine, having a physical document would add assurance. Overall, it was a seamless experience and I am satisfied.

Pasunoori Prashanth

Warangal

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive.

Nagelli Rahul

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. It aligns well with what I needed from an insurance policy.

Ananthula Umamaheshwar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance was convenient. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

Sujatha Chittem

Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. The process felt reliable and I would recommend it to others.

Nimmala Saideepak

Warangal

Value for money

I recently purchased my Car insurance and found the experience to be fine.

M Sainivas

Wanaparthy

Quick policy issuance

The car insurance process was efficient and well-supported. I felt like I was making a smart, informed choice.

Nagireddi Madhukishor

Vizianagaram

Quick policy issuance

I had a positive overall Reliance (now IndusInd) experience while applying for Car insurance. The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time. Overall, it was a seamless experience and I am satisfied.

Dadi Venkatagiri Babu

Vizianagaram

Quick policy issuance

I had a positive overall Reliance Insurance (now IndusInd Insurance) experience while applying for Car insurance. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Shashidhar Guntha

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage.

Vani Kota

Vizianagaram

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Devarasetti Uma Manoj

Visakhapatnam

4.5

Seamless digital experience

I found the insurance experience to be well-paced and user-friendly. The policy I selected felt comprehensive and relevant.

Nethala Suri Babu

Visakhapatnam

Quick policy issuance

Buying a car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Chowdary Appala Naidu

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Pentakota Satya Eswara Sanyasir

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for car insurance. It met my requirements well and felt tailored to my needs.

Ravi Shankarnandikolla

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Badda Appalanaras Amma

Visakhapatnam

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.