Currently black and metal plans both have travel insurance included. Actually, almost every premium bank account or credit card already includes travel insurance. I think a new plan with some benefits other than travel insurance might a good way to avoid A or B selection by client.
For example, I have nationwide flexplus, 13pm for travel+mobile+breakdown insurance, also have free travel insurance from HSBC premium account. If curve offer a new plan with mobile insurance and other benefits for a price like 4.99pm, I’d definitely cancel my Flexplus and go for it.