Can start by removing the high priced excess added to some policies, then throw in legal cover, breakdown cover and cover cover at no extra cost!
And the word sporting on say a punto for instance making the insurance rocket? what aload of bull...
No such thing as include it at no extra cost. Your still paying for it and they don't give anything for nothing, they're a business after all not a charity, so intact including all that as standard and not allowing you to opt out as most currently allow will increase your premiums further!!
And as for the last bit, it's all stats related. More sporting smashed up / stolen as they're more desirable. It's not bull, but statistics