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What is an endorsement in two-wheeler insurance?

Team AckoJan 17, 2024

Riding a bike on the road requires a valid bike insurance policy, but more than that, all the details in the policy document should be accurate. An incorrect detail could become an unwanted deterrent during claims. However, you can make changes to the policy if there’s an error or mistake in the policy details.


In this article, you will learn about endorsement in two-wheeler insurance and how you can make changes to your two-wheeler insurance policy.



What is an endorsement in a bike insurance policy?

An endorsement in two-wheeler insurance is a change to your insurance policy. Changes can be adjustments or alterations to personal or vehicle information and the scope of the coverage. A policy is endorsed in case of mistakes or errors in the information present in the policy document. You can also change the insurance plan coverage; however, it is advised that you do so during the time of renewal.

After endorsing the changes in the document, the insurer, in this case, ACKO, will email you the new policy document reflecting the changes. You may note that you might not be able to opt for all kinds of changes through the endorsement process. You can have a detailed discussion with ACKO’s support team before initiating the endorsement process.

Types of endorsements in two-wheeler insurance

There are two types of endorsements in bike insurance.

Changes in the existing two-wheeler insurance details

There could be an error or a mistake in the information present in the existing policy document. You can make changes to the existing details of your bike insurance policy by requesting endorsements from your insurer.

You can change personal details such as name, address, email ID, contact number, etc. Once the endorsement or the change is complete, you get a new policy document with the updated details.

Additions in the existing two-wheeler insurance details

You can also ask for additions to your existing bike insurance plan. Again an endorsement is required to make the necessary additions. Additions can be in the form of including add-on covers to increase the basic plan coverage.

While it is advisable to review the coverage of your bike insurance policy, it is recommended that you do so while renewing the insurance plan instead of changing it during the policy period.

How many times can I make an endorsement in two-wheeler insurance?

You can make several endorsements in your bike insurance. However, it is prudent to make endorsements once or twice a year, and not more than that. Several endorsements can lead to confusion while updating the records. Errors in the records can be a liability at the time of claims.

List of accepted endorsements for two-wheeler insurance

Refer to the list of acceptable endorsements in two-wheeler insurance.

  • Correction or change in your name

  • Correction or change in your address

  • Correction or change in the contact number or email address

  • Correction or change in the engine or chassis number

  • Edit or change the registration number 

  • Correction or change in the vehicle’s year of manufacture

  • Edit or change in model/variant

  • Correction or change in the vehicle’s engine cubic capacity

  • Inclusion or increase in voluntary deductible

  • Correction in premium amount

  • Transfer of vehicle ownership

  • Inclusion of add-on covers to the base policy

  • Inclusion/correction/change in nominee details

  • Correction or change in the Insured Declared Value (IDV)

  • Inclusion of anti-theft devices

  • Correction in No Claim Bonus (NCB) details

  • Addition or deletion of electrical accessories

How to make an endorsement in two-wheeler insurance?

Refer to the steps below to make an endorsement in bike insurance from ACKO.

  • Step 1: Call us at 1800 266 2256 or email us at [email protected] to initiate the endorsement in your two-wheeler insurance policy.

  • Step 2: Share details of your policy, name, etc.

  • Step 3: Provide the details of your bike insurance policy changes.

  • Step 4: Provide supporting documents to authenticate the changes, if required.

  • Step 5: Our support team will initiate the endorsement process. 

We will email you the updated insurance policy within the stipulated time frame.

These are the supporting documents required for the following endorsements.

  • Addition of bio-fuel: Duly endorsed your bike’s Registration Certificate (RC).

  • Addition/change in cover: A copy of the vehicle’s original purchase invoice and a copy of the RC.

  • Nominee modification: Documents are not required.

Validity of two-wheeler insurance endorsement

The changes or the endorsement to the two-wheeler insurance policy comes into effect from the date the insurer approves and endorses the changes. The endorsement is valid until the policy expiry date or until another endorsement is executed. Additionally, an endorsement made to a specific insurance plan component is valid based on its terms and conditions.

Impact of endorsements in two-wheeler insurance premium

Upgrading your bike with an aesthetic appeal certainly brings a lot of value to your vehicle, and that in turn increases the IDV of the two-wheeler. Alternatively, you may have installed an anti-theft device to secure your vehicle. 

If you have made such changes midway through the policy period, you have to initiate the endorsement of the changes in your policy document. Such endorsements result in an increase or decrease in the insurance premium. By not informing your insurer about the changes to your vehicle, your insurer might refuse to settle the claim due to a lack of transparency.

In a nutshell

The option to make an endorsement to your two-wheeler insurance policy is hugely beneficial. It is even more advantageous if you do not make more than two endorsements during the policy period to avoid errors in the records. When you make endorsements for the right reasons, they certainly help you retain factual information in the policy document and do not impact your claims due to incorrect information about your vehicle and personal details.

Frequently asked questions

Here are some of the common questions about endorsements in two-wheeler insurance.

Can I make an endorsement if there is an error in my two-wheeler’s manufacturing year?


Yes, you can make corrections to the vehicle’s manufacturing year by requesting an endorsement from your insurer.

Are there any charges to get my two-wheeler insurance policy endorsed?


There are no charges towards making endorsements to your two-wheeler insurance policy. However, there might be changes to the premium based on the respective changes to the policy.

Is there a time limit to make a two-wheeler insurance endorsement?


Any endorsements you make to your two-wheeler insurance of any type should be made at the earliest. If you have identified any errors or needs modifications, you must inform your insurer at the earliest to avoid an impact on claims.

Is it possible to make an endorsement in my Third-party Bike Insurance Policy?


A Third-party Bike Insurance Policy is not complicated as the Comprehensive Bike Insurance Policy. The policy does not have issues related to the IDV, NCB, etc. However, basic changes such as the name, address, etc., can be made.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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