CC Home Insurance

Just noticed the following in the 'small print' assumptions of the home insurance quote:

"The home to be insured is not.....within a quarter of a mile of any cliff/seafront or riverbank ...or..in an area liable to/with a history of flooding, subsidence, landslip or ground heave"

How exactly are you supposed to prove these things? It is no good only finding out when you need to make a claim. Applying a ruler to an OS map puts me about 1/2 mile 800 metres from anything marked as a river, but how can you be sure?

What is the definition of a 'riverbank' - I would think a good few people live within 400 metres of a watercourse of some kind, if only a field or roadside ditch?

What is the definition of 'area' - the street, postcode sector, town, county where the property is situated?

The only fair indicator of risk surely is the actual experience of the property itself, or those immediately adjacent to it.

Given the imprecision of these terms, this looks very much like the insurance industry up to its old tricks of catching customers out through small print exclusions and/or wriggling out of liability on account of alleged misrepresention by the customer.