An interesting read, and thank you for sharing your experience. It's a subject I look at from two vantage points: one, like yourself, as a consumer and the second as someone involved in the industry (as a repair and replacement service provider). It's frustrating on both counts as there is so much misleading going on; so much misinformation being spread and worst of all, most brokers/insurers/underwriters - as well as their nominated repairers - are getting away with it without being challenged.
Over the quarter of a century I've been involved in the industry, I've arrived at a few conclusions. It can get quite tiring, but I will gladly converse with anyone who is facing these issues: the unwaivering insurance companies; the lying repairers; the misinformation etc.
In the OP's case, there is actually a requirement BEFORE the insurance proposal is accepted:
'ICOBS 6.1.5' is a requirement: "A firm must take reasonable steps to ensure a customer is given appropriate information about a policy in good time and in a comprehensible form so that the customer can make an informed decision about the arrangements proposed". 6.1.7(2) is guidance (but usually followed) and "policy terms, including its main benefits, exclusions, limitations, conditions and its duration" should be shown.
Annex 2 suggests a Policy Summary to be included (it must for a life policy), and to show :-
Significant features and benefits.
Significant or unusual exclusions or limitations, and cross-references to the relevant policy document provisions.
They don't require the summary (i.e. not the small print) to show everything, just things that may not normally be found in comparable contracts.
i.e. enough information to allow them to make a informed decision.
All this should be made avaialble BEFORE inception. As a consumer, I've experienced this with my own policies, and they do not make those salient points known before you accept. Frankly speaking, who is going to read a 64 page booklet full of jargon and hard-to-understand, grammatically verbose 'terms' when there's a deal to be closed? http://www.glasstecpaul.com/motor-insurance-windscreen-cover/
MODS: it's a blog, and not a commercial link (it just helps to link rather than type it all out again).