Don't know thats true as you haven't entered a contract with them

when you sign the papers you agree to the terms and conditions of the insurer, and buy not declaring the points, his insurance was invalid. therefor when the kid smashed into him, he was technically not insured and the kid ended up winning the battle and didnt have to pay for his car. he was left with a huge bill to pay himself as his own insurer wouldnt pay out either

I have never signed a car insurance document. Done online and certificate sent to me in post.

By you paying them the premium and them sending you the documents you enter into a contract with them, and I expect the terms can be found on their site. No physical signature is required as far as I'm aware.