I lose count of the amount of people on a daily basis who, upon getting a price from us then proceed to say. 'Can I remove the legal?' 'Can I remove riding other bikes' 'How much would I save by removing pillion?' 'I've changed my mind, I won't commute anymore, how much would I save with Social use only?'How many bikers ever said they wanted cover for their bike to be reduced? .
I'm sure if you look around and research, then you find the policy that is right for you. I view it as the same with most other things you buy. You go to a particular supermarket because you like the products and find the price reasonable. If you go to you local *insert questionable shop* and pay £10 for a pair of shoes, expect them not to function the way in which a pair of shoes possibly should. Pay £50+ and expect a pair of shoes to be sturdy and not to rip and tear after a few weeks.