Insurance that makes claims impossible with the second linked policy

This insurance will not cover power surges as well as food spoilage if you do not keep the receipt of the food that has been spoiled [who keeps the receipt of all the meat and food kept in your freezer] This is Not stipulated in the 70 page exclusions policy. The second policy was not mentioned in the phone call but as a link on a email according to them they do not have tell you to this but paying you premium you accept the second policy as well.