You're right of course. But expecting the man on the Clapham omnibus to be able to differentiate between insurance policies on anything other than price is a bit of a stretch methinksAnd to your point, insurance companies vary in the strictness with which they interpret their wordings. "Legally insured but not covered" sounds like something of a misrepresentation to me. It's one of the many reasons why its not worth simply buying the cheapest insurance you can find.
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