Cash Back - real or **** ?

I inquired regarding insurance for musical instruments and a vehicle. The Vehicle premium was more than double my current premium and advised the consultant as such. I also requested that he contact me the next day regarding the other insurance as I was not sure if I am going to take it.

Subsequently I took the musical gear insurance and upon enquirying why I did not receieve the cash back (as advertised on national radio) , I was told it is because it was not offered by the consultant.

Am I thus responsible for their employees not doing the job correctly, or is the cash back just a ****.

Seriously reconsidering dealing with them for my other insurance