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Indeed. A bunch of loopholes and omissions and the bottom line is that unless you pay someone to run you through these things, you'd need to do so much reading to keep up with all these rules, its just not sustainable.

This is one thing. I have learned it and that is free advice I will give the next person should it be something relevant to share. But what's next? Car insurance? Maintenance, education, health, wealth, etc etc. I cannot know everything!

The complexities are in there for a reason and they put these "packages" together to make people have to get more, or not be adequately covered. It's the same with payTV packages for another example...just enough to make people need more.

And the terms and conditions? Yep, you'd need a lawyer to work that shit out like you allude to.

It's shit. Here's a product but there is a list of ways it DOESN'T work!

That's society these days.