Read the fine print when buying a policy from TIC - Travel Insurance Consultants a division of Santam Limited

We bought a policy on the 24 December as we needed one before applying for our visa to go to Norway on the 4th March. While in Norway we were notified that Denmark were closing their borders. I contacted TIC via their app on my phone. Cindy was on live chat and only wanted to know, "Have you purchased your travel tickets and the TIC policy within 48 hours of each other?" I said, "I am not sure, but what difference does that make?" The policy was for insurance from 3 March to the 31 March, I thought we were covered. According to the fine print, the policy and the travel tickets have to be purchased within 48 hours of each other, otherwise you cannot claim anything for Journey Curtailment, not the cost of the tickets, nothing! We weren't told this when we bought the policy, but it is in the fine print.