Cover for accidents at home councils repay unexpectedly (9,6)

I believe the answer is:

insurance policy

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'cover for accidents' is the definition.
The definition and answer can be both related to communication as well as being singular nouns.
Perhaps they are linked in a way I don't understand?

'home councils repay unexpectedly' is the wordplay.
'home' becomes 'in' ('he's home' can mean 'he's in').
'unexpectedly' is an anagram indicator.
'councils'+'repay'='councilsrepay'
'councilsrepay' anagrammed gives 'surancepolicy'.
'in'+'surancepolicy'='INSURANCE POLICY'

'at' is the link.

Can you help me to learn more?

(Another definition for insurance policy that I've seen is " contract that offers protection".)

I've seen this clue in The Daily Mail.

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