I get that, but if you type in the value on these sites and it’s over the regular limit a prompt comes up that extra insurance is required, and asks you to select how much you now require. So how hard would it be that if you type in guitar a prompt comes up saying no insurance is available on this item, which would then prohibit the extra insurance value box from popping up and allowing you to type in a value which isn’t covered and then pay for that non existent extra insurance. Just seems that it’s easy to prompt for extra cash, not so easy to advise don’t spend your money as it’s not worth your while.