when we checked we were told that as long as there has been a fixed lease in place and it becomes periodic they would still pay.
Taking insurance company shareholder returns as their top priority into consideration, I'd say you were told nothing of any consequence.
I also don't understand how you checked the nitty gritty of the Insurance contract, mainly the exclusions written by their solicitors, by simply phoning up some young phone operator in a claims dept and being told something ?? Do you believe what she told you would be legally binding against the Insurance company.
My experience with this sort of thing is that ;
1. The person you are talking to will not even divulge their full name.
2. The person you are talking to is not authorised by the Company to definitely answer your questions.
3. They are the ones recording the conversation for their "training purposes", not your legal benefit.
4. They most certainly will not admit liability of any kind whatsoever over the phone.
5. "You're most likely covered" never translates to "Dear Sir, please find attached a cheque in the amount of...".
Once again, the players at the entrance to the insurance tunnel, including the charming smiling phone operator and the little child holding the cuddly wuddly teddy bear.....bear absolutely no resemblance whatsoever to the players at the exit of the insurance tunnel, which typically include the gatekeepers to the funds, the invisible senior solicitors of the Company and the shareholders with their hands out for their maximum benefits.