And that's one of the huge issues!! Very often people don't read their policies so they have misunderstandings about their coverage!! This is a big problem!

I always read all of my policies, I suggest everyone else does the same. I want to be very clear what losses are covered and what my deductible will be before any losses occur. In fact, for legal documents, insurance policies are pretty easy to understand.

I really wish he included the text of his policy.

While I have sympathy for him, I think he got himself into a pickle when he flew to Singapore than claimed he was unable to fly. Yes, Singapore is a million times closer to Indonesia than the UK, but he should have known if he left Indonesia the insurance company would have expected him to return to the UK.