General guide
Renewing Liability Insurance in Iran
Short answer
Renewal continues liability cover for a new period before the one-year policy expires — cover exists only while the policy is in force. An endorsement (elghaghiyeh) is the official document applying mid-term changes such as raising the limit of liability or correcting details. At renewal, match the limit with the current year's diyeh and start the process several working days before expiry, because every uncovered hour is uninsured risk.
Key points in brief
- Cover exists only during the policy period: any event in a lapsed period is uninsured and paid out of pocket.
- Renew several working days before expiry — renewal on the last day leaves no room to review the limit or deductible.
- Endorsements apply mid-term changes (limit increase, added cover, corrected details); renewal issues the next policy period.
- Match the limit with the current year's diyeh: repeating last year's limit without adjustment accepts an underinsured gap.
- Continuous claim-free history strengthens your negotiation position at renewal; a lapse breaks that continuity.
Persian twin page (authoritative)
The full Persian guide with endorsement use-cases, common mistakes and the five-step renewal method: راهنمای تمدید و الحاقیه (صفحه فارسی)
Reviewed by the licensed team of Agency No. 20616, Bimeh Iran.
Planning a renewal?
The quotation form is in Persian — English-speaking visitors can also email us and a consultant will respond in English, usually within one business day.
پاسخ استعلام حداکثر تا یک روز کاری — استعلام هیچ تعهدی برای خرید ایجاد نمیکند.