BAD SERVICE

I got an email from Budget Insurance telling me about a Cash Back that can be due to me if I add it to my current policy. Firstly,there are companies like Outsurance that automatically give their clients that without having it to be added or not that is the service you get from Outsurance. So the point I want to make why must Budget Insurance ask me if I want it to be added and then at an extra cost to my premium a month too???? Its total ridiculous when I've been with Budget Insurance for almost 2 years now claim free? The manager called me and He could even try and satisfy my need in order to have the Cash Back or at least try to work something out for me instead of waiting another 2 years. HIGHLY UPSET AND HIGHLY DISAPPOINTED in BUDGET INSURANCE