...AFAIR, there was a widespread removal of this facility from many/most policies (even existing ones at renewal)a good few years ago, driven by some interpretation of official guidance. It disappeared, with warning, from either mine or SWMBO's (or even both).
It wasn't long before it was commonly re-introduced, but only for policy-holders over a given age (or experience?).
In 2016/7 for instance, it was on my policy, but not my son's; both from the same insurer.
The facility is on all three current insurance policies here.
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