definition of permanent resident for travel insurance?

I'm looking into buying an annual travel insurance policy and have phoned Endsleigh to get clarification on whether I am eligible for their policy or not.  They require you to be a permanent resident, which they define as this:

These policies can only cover permanent residents of the UK who are registered with a GP in the UK. To be considered permanently resident, you must have your main home in the UK and if in employment are registered for UK income tax.

I am currently on a Tier 1 visa but will have switched to FLR by the time I started this policy.  My only home is now in the UK as I intend to settle permanently, I am registered with a GP, and am paying income tax.  When I phoned to try to get clarification, the person was completely unhelpful and just read this statement to me after placing me on hold for 20 minutes.  Do I really qualify for this, or is there some sort of catch they could pull out once I tried to claim down the line???  

honestly, I take it literally. Permanent resident status in the UK = ILR.  As I don't have ILR yet, I avoid travel insurance policies that require permanent residence status. 

(I suppose it's possible that a travel insurance company that requires permanent residency might cover me even though I'm on a spouse visa due to imprecise use of terminology, but with insurance I figure it's not worth the risk.)