As well as looking at the policy document it would also be important to check the declaration you sign to accept the insurance. There may well be a stipulation around residency or similar in this.
It is also worth being aware of the legal basis of insurance which is known as "uberrima fides" which means "utmost good faith". Essentially this means you have to disclose all material facts, even if you are not specifically asked for them. I am sure there is lots of legal case law about how this works in practice, but if does give the insurance company an easy get out if they feel you have 'pulled the wool over their eyes' (withheld information in order to get them to act in a way they would not have if you had told them).
|