Insurance policies aren’t set in stone.
Life changes — and your insurance policy should keep up.

That’s where endorsements come into play.

Whether it’s a change of address, name, nominee, or even upgrading your vehicle — an endorsement helps you make official changes to your policy without canceling it.

Let’s explore what endorsements are, when you need them, and how to file one smoothly.

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🧾 What Is an Insurance Endorsement?

An endorsement is a written document issued by the insurance company that confirms a change or correction to your existing policy.

Think of it as an official update or an add-on to your current contract.

It could:

• Add new coverage

• Remove existing features

• Correct errors

• Update personal details

• Reflect a change in asset status (e.g., sold, modified, upgraded)

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🔍 Types of Endorsements (With Real Examples)

1. ✅ Name Correction/Change

Example: You changed your name after marriage or due to a spelling error.

👉 Submit valid proof (like gazette notice, marriage certificate) to get your name updated.

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2. 📍 Address Change

Example: You moved to a new house or city.

👉 Update your policy so the communication, service, and risk zone (for motor/home insurance) is accurate.

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3. 👤 Nominee Change

Example: You got married or want to update the nominee from parent to spouse or child.

👉 File a nominee change endorsement — crucial for life and health policies.

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4. 🚗 Vehicle Modification

Example: You added a CNG kit or alloy wheels to your car.

👉 Must inform insurer, as it can impact premium or claim eligibility.

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5. 💰 Sum Insured Increase

Example: You want to increase your health cover mid-year due to lifestyle or medical needs.

👉 Request an endorsement for a higher sum insured (subject to underwriting).

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6. 🛡️ Add/Remove Coverage

Example: Add a critical illness rider or remove accidental cover from your policy.

👉 The insurer issues an endorsement and recalculates the premium if needed.

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🧠 Why Filing Endorsements Is Important

• ✅ Keeps your policy up-to-date and valid

• ✅ Avoids claim rejections due to outdated info

• ✅ Ensures correct communication from your insurer

• ✅ Complies with regulations and underwriting guidelines

🔒 Incorrect or outdated information = risk of claim denial.

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📝 How to File an Endorsement

Step 1: Contact Your Insurer or Agent

Use:

• Official website

• Customer helpline

• Visit a branch

• Speak to your insurance advisor

Step 2: Submit Required Documents

Based on the change, you may need to submit:

• KYC

• Address proof

• Marriage certificate

• Ownership proof (for vehicles)

• Any insurer-specific form

Step 3: Pay Additional Premium (If Applicable)

Some endorsements (like increasing sum insured or adding coverage) might lead to a pro-rata premium.

Step 4: Get Endorsement Certificate

You’ll receive an updated policy document or endorsement note that reflects the change.

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❗ When You Must File an Endorsement

Don’t delay endorsements in these cases:

🚨 Changed car’s fuel type or engine
🚨 Got married/divorced (for life & health insurance)
🚨 Shifted city (especially with motor or health plans)
🚨 Replaced or added a vehicle accessory
🚨 Changed bank details (for refunds or payouts)

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💡 Pro Tip:

Always check the revised policy carefully after receiving the endorsement.
If there’s any error — ask for a correction immediately.

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✅ Final Thought: Don’t Let Small Changes Lead to Big Problems

“An outdated policy is like expired medicine — it may not work when you need it most.”

Endorsements are easy to file — and absolutely essential for keeping your insurance relevant and valid.
Update your details as life changes — and stay fully protected at all times.

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