Their business model assumes if you're looking for the bare minimum cover there's something about your risk profile they don't understand, or that you don't care about the car and are potentially more likely to have a claim against you from a 3rd party.
I haven't bought TPF&T cover since I was about 25 - the difference was minimal at that age, and now there's just no difference at all now I'm over 40 
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===SOLD===2002 Audi S8 D2 Final Edition (yes, really) in Avus Silver with purple extended leather===SOLD===
2011 S5 Sportback in Phantom Black with black Super Sports leather, 9x20s, tech pack high, adaptive xenon plus, intelligent key, memory seats pack, sunroof, B&O, Audi Drive Select & quattro Sports Diff, DAB, parking system plus
2015 VW Golf GTI Performance Pack in Carbon Grey with black Vienna leather, tech pack (Discovery Pro nav & Dynaudio), DCC, factory towbar and retrofit RVC
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