House Insurance Complete Confusion.

icefire

Hi.
I recently used a comparison website to set up house insurance and used the link to the provider to take out their policy.
On the comparison website, it asks for you not include kitchen or utility rooms in the number of 'other' rooms that you have.
 I rang the insurance provider as I had realised that I had not included my dining room, the provider stated I needed to go onto their website and also add a kitchen and utility room as another two 'other' rooms, I was charged a small amount extra.
There is now an apparent discrepancy between what the comparison website asks and what the insurance company wants.
If I had not realised that I had missed of my dining room and rang the insurance provider I would have been none the wiser.
My question is, if people are completely unaware of the difference between the comparison website and the actual insurance provider, in the unlikely event of making a claim, could the Insurance provider turn around and say that the correct information was not given and deny the claim.
What is it, Delay, Deny, Defend scenario?

Legally, does anyone know if an insurance provider can do this, and how do we navigate this increasingly complex environment.
Thank you.

MyRealNameToo

Aggregators used to always instruct you to check your answers on your selected vendors website because questions vary as do the options in drop downs and so these have to be mapped but in reality there may be more appropriate answers.

Generally the ombudsman is very lenient on these types of cases (see https://www.financial-ombudsman.org.uk/decision/DRN5354831.pdf as an example) and as long as you answered reasonably based on the aggregators questions they bind the insurer to deal with the policy even if they've been prompted to check answers on the vendors own site. 

There have been a few more complex cases where there is a broker involved and in some of those cases the broker is held responsible not the insurer where they failed to ensure the right questions were being asked.