Excesses & Endorsements topics

Key points: A written change to your policy that overrides (or supplements) the standard wording. Can add, remove or limit cover, or impose extra conditions. Becomes part of your schedule, read it carefully. View live endorsements or request changes in Manage My Policy. Why insurers use them Not every risk fits a one‑size‑fits‑all policy. An endorsement lets the insurer tailor protection, for example: Including a new extension before the next renewal. Excluding subsidence after a previous claim. Requiring approved locks on all external doors. What to do Check any endorsement on your documents and make sure you can meet its conditions. If you’re unsure, speak to an advisor before cover starts.

You will receive information about any policy endorsements either through the online platform or via email before finalising your insurance purchase. Take a moment to carefully review the details labelled ‘Endorsements’ presented along with the price before making an online purchase. For a comprehensive understanding, you can also locate this information on your Policy Schedule. The full details, including the wording, will be available under the heading ‘Endorsements’. This ensures transparency and allows you to have a clear overview of any special terms or limitations associated with your coverage.