That's not the same. What you are talking about is an 'insurance' where you, when you get into legal trouble, are reimbursed for (some of) your legal costs. That's not what the GP meant.
What the GP meant is literally quite strange. You get reimbursed re conditions of the contract, period. If the insurer doesn't pay it's either a legally correct action or not. If legally correct you get what you paid for. If incorrect you need legal recourse. The only type of insurance possible against an insurer not paying is legal insurance. Otherwise you are asking for an insurance for you not understanding the terms and conditions. That's typical.
> Otherwise you are asking for an insurance for you not understanding the terms and conditions.
Is this an unreasonable request? :)
Whenever I get insurances through work I rarely get terms and conditions? If I do, I rarely get something specific, it's very ambiguous.. and contains unqualified conditions.
I find that agents can rarely answer questions I have, how was I suppose to understand things?