I agree, Alan. Sometimes when I've bought insurance over the phone and tried to get ALL the details of the policy, I've been told I'd get the schedule once I'd agreed to have it! I know you have a few days to cancel it, but they're counting on people not bothering to check. I've noticed that when I persist, the 'advisor' gets very vague and waffly, talking fast and trying to smokescreen the issue. I suspect they're trained to do this, as it happens a lot. The bottom line with insurers is, they want your money, but as far as possible they do NOT want to pay out.