They aren't all, mine wouldn't be as I quoted earlier.
I would urge caution, as we don't know how she described it nor how they interpreted her description.
Some years ago I purchased a heavily modified Harley Davidson that was a chopper/bobber in the extreme. Basically the engine and registration plate were original, everything else was changed. It passed MOTs and had a V5 reflecting correct serial numbers. I phoned around for insurance and went with one underwritten by Lloyds, I even emailed them a photo on the day I collected it.
A fortnight later once I had the policy in my hands I decided to double check with the underwriters. They went ballistic, immediately cancelling cover, and refunding part only of the premium, as IT WAS ME who had misled them! After further discussions I got all of the premium back as they admitted that agents would omit details in order to reach targets and earn commissions.
Anyway Insurance companies aren't the stewards of our inland waterways, C&RT are.