Changes to covers in your home insurance policy

You can choose to make changes to the covers of this Policy as may be permitted by the Insurer, or increase or reduce any Sum Insured. You must make a proposal or request for any change. It will be effective only after the Insurer has accepted Your proposal, and You have paid the additional premium, where applicable.

The Policy (including the Policy Schedule, the proposal, declarations and Endorsements) consists of the entire contract between You and the Insurer