This is another thread where the question may be reasonable enough, but the answer to the OP cna only really be provided by the policy provider in their terms and conditions.
Its not helpful when posters appear to make definitive claims for the level of service a reader can expect where each policy has its own T&C's because there will be variations between policies.
Even the policies from the same company , and with the same name may have been personalised by the provider based on individual circumstances, so the only definitive answer can come from the provider, not a general forum.