Travel insurance warning

I recently bought the Leisureguard travel insurance recommended on this site; did not have time to read the policy document in any detail but looked at the summary and it seemed to cover the main areas that one would expect.


I was left stranded on my way home, and was shocked to discover that I had no cover for this: there is a section of the policy headed "missed connections/departure" but it seems to apply only to the outward journey.


I wonder what other risks that one would expect a travel insurance policy to cover are excluded from many or most of the cheaper policies on the market. I hope that most people know that the luggage and personal possessions section does not apply to electronic devices such as mobile telephones...