Exactly! I attempted to make a claim in the days when you could go into an office and talk to someone face to face. The young lady gave me the 'stock' answer; 'Which of course isn't covered under your policy'. Fortunately, I had thoroughly read the booklet that came with it that clearly stated it WAS covered. Two possibilities; she didn't know her job or, more likely, was under instruction to fend off all claims with that line in the hope the customer didn't know and would give up.