Unfortunately there are a number of insurance companies that have hidden clauses
that they conveniently omit when explaining their terms and conditions of cover. It remains the responsibility of the consumer to make sure he or she go over the contract thoroughly and read the fine print. Not every insurance company is honest. Some insert hidden clauses into the contract which you may be unaware of. Ensure that you read the fine print in the contract and if you are still uncertain, have an experienced attorney or even a family member go over the contract too.