When the insurer places on endorsement on the policy, this means that there has been a change to the cover and/or conditions of the contract with the customer. Endorsement can be applied at the inception of the policy, for example there may be a requirement to fit an intruder alarm which must be kept in proper working order and set whenever the home is left without a responsible person in attendance. Alternatively, they may be applied at a later date when for example, an event has occurred or more information has been made available which indicates that the customers insurance risks have increased

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