I was specifically asked what optional extras i had purchased for the car, and made it quite clear all options were fitted by VW during the build. The DCC was difficult to explain, she asked what it was so I explained it was adjustable dampers, to which she couldn't quite grasp what they were doing for the car. Nontheless all options explained.
My renewal price was high, and I wasn't impressed. Guy on the phone gave me a discount, but instead I went and got a new multicar quote with the same details and it was 30 odd percent cheaper. Rang them back and put that through, and got a further discount for the inconvenience in the end.
The problem in my case was the fact my fiancée is South African, and has only been UK resident 2 years. Her driving license has been held for 9 years but Admiral were the only people who seemed to accept that her license wasn't 0 years old at the time. I spent many hours on the phone to several companies and Admiral were the cheapest quote anyway before factoring in her driving experience - served only to increase the saving, then came Multicar. Was a no brainer for us.