Unoccupied home insurance.

jubilee_baby

I have just contacted the company which arranges my house insurance. I was informing them that I had been away from my second property for 50 days now, due to COVID and as the policy states I am covered for upto “60 days in a row” I was checking what their position was. I am now told that my premium will rise by 50%. I have two identical insurances for two homes that I split my time between approx 50/50, normally two weeks at a time at each property. I am now told the 60 day rule is 60 days in total in any insurance period. So as I am technically only at a property approx 180 days in an insurance period. i.e. two weeks at each property thruout the year my premiums have both increased by 50% to £500 each. 

I have contacted another insurer who has never heard that the 60 day rule applies to a “total of 60 days in any insurance period” 
Any comments or advice please.
I cannot understand this total of only 60 days in a year as that would barely cover long holidays when one is retired.