Where the form of endorsement prescribed by Sec. 703.109 is not
appropriate when used in conjunction with a form of policy approved for
use by the Office no modification thereof shall be used unless
specifically approved by the Office. Where the form of policy is
designed to include therein the obligations of the insurer under said
Act without the use of the appropriate endorsements, the policy shall
contain the provisions required to be included in any of the
endorsements. Such a policy, however, shall not be used until expressly
approved by the Office.