This is an extra clause that changes the standard cover the car insurance policy provides. For example, you could get an endorsement on your policy if you change your car part way through your policy. Note that endorsement could also refer to the penalty points added to your driving record if you’re convicted of a motoring offence.
In the UK driving context, an endorsement refers to a penalty or punishment imposed on a driver for committing a driving offence. It is essentially a mark on your driving record that indicates you have been found guilty of a specific offence. Endorsements are typically issued by the courts or the Driver and Vehicle Licensing Agency (DVLA) and can result in penalty points being added to your driving license.
The number of penalty points associated with an endorsement depends on the severity of the offence committed. For example, speeding offences usually carry 3 to 6 penalty points, while more serious offences like driving under the influence of alcohol or drugs may result in higher penalty points or an automatic disqualification.
Accumulating too many penalty points within a specific timeframe can lead to additional consequences, such as a driving ban or increased insurance premiums. It is important for UK drivers to be aware of the potential endorsements and penalty points associated with different driving offences to maintain a clean driving record and avoid any adverse consequences.