Beware SureStart insurance for Webtickets

Beware when taking refund insurance on Webtickets for theatre tickets. I paid R65 insurance to obtain a refund when we mistakenly went to the wrong venue, only to find out that the refund is only applicable if there has been a severe or drastic event, such as a death, fire, accident, etc. Not only that, they require a death certificate and all other supporting documents. I understand one should read the Ts & Cs, but most of us take the email refund offer, for this kind of event, in good faith and at face value.