Which term refers to the inclusion of additional coverages in an insurance policy without the insured's knowledge?

Sliding refers to the practice of including additional coverages in an insurance policy without the insured's knowledge or consent. This often occurs when an agent or broker adds optional benefits, often for a higher premium, without fully disclosing these modifications to the policyholder. The term highlights a form of misrepresentation where the consumer is not aware of changes made to their policy and may find themselves responsible for new premiums for coverages they did not intend to purchase.

The other terms are related but represent different fraudulent practices. Twisting typically involves the inducement of a policyholder to switch from one insurer to another, often through misleading information about the benefits of the new policy. Churning refers to the practice of convincing a policyholder to replace an existing policy with a new one, primarily for the agent's financial benefit rather than the client's. Understanding the distinction among these terms is crucial in identifying various forms of insurance fraud.