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in Reclaiming mortgage fees, council tax, etc
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The success or failure of your case will hinge upon those policy terms and if they are considered onerous or not... from what you’ve said they seem pretty standard and as such are likely easily enforceable.
I don't think you can make a complaint that the policy was mis-sold and make a claim on the policy.
You were made redundant. So you didn't leave work to care for someone.
But what I think doesn't matter anyway. It's what the ombudsman thinks that matters. If it's in their hands, there isn't much point in canvassing for opinions.