Indeed - you often get some more knows to tick when you click through to the actual insurers.
and you have to watch for silly things like say Liverpool & Victoria, whilst a bit cheaper than AXA for house insurance, DO require you lock your window locks (and fit them as well IIRC).
AXA make zero mention of window locks.
The benefits of PDF T&C's - very easy to double check this stuff.
OTOH Liverpool and Victoria were a good £150 cheaper for my car than the previous lot and if you have a question, do answer the phone pretty fast with a british person (as do AXA). So you're right in that one must double check the fine print.