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@The_Seldom_Killer
Ask to see a copy of the policy and then how that looks to you. If the policy appears grey in any areas then ask them to clarify before you buy. You are fully entitled to know the terms and conditions of a contract, which is what an insurance policy is, and make sure that you understand them before you enter into it. If nessecary, provide scenarios and ask how you would be likely to be treated under those circumstances.