A classic insurance case of ‘it’s all in the small print’

Hagerty wouldn’t ferry our car from the Isle of Wight when it broke downI have two classic cars insured with Hagerty; the policy includes UK and European vehicle recovery. One car needed to be recovered from the Isle of Wight but when I called the emergency number the garage told me I had to pay £414 ferry and extra transport costs. When I renewed the policy through Axa I received a “Breakdown Cover Key Facts” which lists “significant and unusual exclusions” but does not mention