Staff not always up to Spec

We recently had to cut our holiday as to floods in the South Island of NZ. I rang 1 Cover, was answered promptly, and courteously which was great. i indicated our policy number, and our details. However when I explained the situation, customer service officer indicated that we were only covered for medical. Initially I was very cross and left it that. However when I got home, I checked the fine print of my cover as we took out the top cover, found it appeared that we would have been covered, due to "disruption of journey". Fortunately all our accommodation, tours etc were immediately refunded by the venues, so there was no issue. However 1 Cover staff should be aware of the physical coverage of their customer's cover before making what appeared to be "Off The Cuff" decisions.
Will still take out Travel Insurance with 1 Cover, but will take policy PDF details with us, so I have the ammunition.

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