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Not true at all. I've done work for insurance companies in the past as well. While it's true most of them will not diverge from their standard contracts, some are very open to clients suggesting 'custom' insurance no matter how obscure the clauses. The only caveat of course being that it will cost you substantial amounts.

> I also work in insurance industry as a software dev - nothing that I have seen would let insure someone who would go under-prepared. One could fill in form that he goes fully prepared but once lied insurance company won't pay anything.

If you break the terms of the contracts you won't get covered of course. Same as with car insurance where you won't get coverage if you were DUI.