Your original recommendation was for Admiral. They turned out to be crooks. They are not to be trusted. In addition I object to you automatically included extra's such as driving abroad which collectively significantly increases the premium. The vast majority of drivers do not need this cover or others that are included. IF I WANT EXTRA'S I WILL ASK FOR THEM. I DO NOT WANT YOU TO DICTATE WHEREAS OTHERS WHICH ARE PROBABLY ESSENTIAL ARE NOT INCLUDED. On the other hand a courtesy car is an extra and not automatically included. You know that most customers will need this cover that is why you make it an extra.