You might your insurer will assume the following details. If you get a quote over the phone the advisor will check this with you and if you obtain a quote online then you need to check the assumptions. Please ensure you read and understand the assumptions before agreeing to them. If you cannot agree to them you will need to advise your insurer. If you are in a claim situation and it becomes apparent that one of the assumptions is incorrect then your insurer could refuse to pay the claim.