Non-payment due to hidden T&Cs

Be very careful with these guys. I specifically purchased Premium Insurance for my trip because I know that the Complimentary cover is quite basic. Now I need to cancel my trip because of a court case, they say they won't pay because this is not a "named event". They won't pay under voluntary cancellation either because this is a benefit that I supposedly should have opted into, but this was not offered or made known when I bought the insurance. Lastly, you can only claim under voluntary cancellation if you purchased the insurance within 48 hours of paying for anything related to your trip. These are all technicalities the average person would not know about until they actually need to claim. So basically they do not pay for anything. Be very careful.