Ring up the insurance Co and ask them otherwise, should you need to make a claim they will "wring" you.
Oh, yes......get their answer in writing!
Tread carefully, Insurance seems a great thing till you need to make a claim, then you better have your I's dotted and T's crossed cos if they can squirm out of paying then that is what they will do.
After all would you give your money away to some Moppet who didn't read the contract or conduct due diligence!