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Simply because if I fill in the proposal and make no reference to the claim I get price "x" and if I resubmit and I fill in the details of the claim, stressing that it was fully settled and no fault, the price is "x+y".
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Ian
Current: 2021 G21 330i M-Sport
Previous: 2018 A6 Avant S-Line MMI+, 2014 F31 320d M-Sport, 2013 F10 520d M-Sport, 2011 F10 530d M-Sport, 2008 320i M-Sport Coupe, 2002 325i, 2001 318i valvetronic, 1998 318i, 1996 525i, 1990 Porsche 944S2
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