@JS
I was jesting JS but I do agree the way insurance polices are written is a minefield and contradictory at the turn of every page.
I spent an hour in a police station back in my office staff days trying to convince a desk officer that the company van one of our operatives was driving was insured for any driver and for out of office hour use having produce our fleet insurance document.
I can’t remember much of the mumbo-jumbo now but he would not have it and told me the company would be fined if we could not produce an insurance document that said our vans could be driven by anyone with a UK driving licences anytime of the day.
To me it looked perfectly simple English that the vans were insured but in the end (not being a lawyer ?) I had to pass it back to our insurance company to deal with and they admitted the police were right and that although we were insured 24/7 for any driver the insurance company sent out an incorrect document.
What hope do we mortals have.?♂️