Can I buy insurance for Apple’s insurance?

Apple’s launched a new AppleCare+ tier in the UK that covers iPhones against theft and loss, except the initial information page states that coverage does not include theft or loss, but yet it does.

When you click through the terms link, none of the documents under the “From September 14th 2021” section mentions coverage for theft or loss. Indeed they explicitly mention it does NOT cover theft or loss.

So how the hell is anybody going to know what the terms are before committing to the product?