What is an endorsement?
Endorsements are formal changes made to your policy to either expand or restrict coverage. They ensure your policy reflects your current circumstances and any risks that may arise.
When are endorsements applied?
Endorsements may be necessary in situations such as:
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Home renovations
If you are making structural changes to your home, an endorsement may be required to modify your cover while the work is ongoing.
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Medical conditions and driving
If you have a medical condition that could impact driving, an endorsement may require medical certification to confirm your fitness to drive. You may also need to notify the licensing authority.
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Business Use of a Vehicle
If you use your personal vehicle for business purposes, an endorsement may be required to extend coverage to include work-related driving. This applies if your job requires you to travel between locations beyond normal commuting.
When can endorsements be added to my policy?
Endorsements can be issued at different points, depending on the nature of the change:
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At the start of your policy - Adjustments can be made when the policy is first issued to ensure it provides the appropriate level of cover.
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Mid-term adjustments - If your situation changes, endorsements can be added to reflect new risks or requirements.
How do I know if I need an endorsement?
Regular policy reviews and discussions help maintain the right level of protection. You must inform 123.ie of any changes that could affect your policy. We will assess whether an endorsement is required to keep your cover valid.
Ensuring Your Policy Remains Accurate
Endorsements ensure your policy remains relevant and effective. Keeping your insurer informed about changes means your cover continues to provide the protection you need.
For further details or to discuss policy changes, contact our customer care team or visit our policy information page.