Any driver coverage isn't explicitly stated
I think you should always make the any drive feature compulsory. By making it optional, you are allowing customers to make a decision that will cost them dearly should a serious accident happen when driven not by yourself. Secondly it is not stated clearly and not stated explicitly what any driver coverage is and what are the risks and consequences if not taken up. Existing customers should always get the maximum discounts and not let them feel cheated because there are other better offers that they may not be aware. It is definitely more costly for you to get new customers than to retain existing customers.