When you take out insurance you will be given a policy document which contains the terms and conditions. You may also get a shorter policy summary.
Make sure you read the policy documents. This might seem straight-forward enough but a lot of people wait until an event occurs before they decide to have a look through their policy document and by then it's too late - your policy may not cover that particular event.
If you're especially worried about a particular event have a browse through the policy document even before you take out the policy so you can have some peace of mind if that event does occur.