When I was car lite instead of car free, I asked my insurance company if they offered a reduced rate for those who rarely use their car. The lady said no, and seemed completely shocked that I had asked.
I was once a customer service rep for a large company. I can assure you that there are times that a customer service rep says that a product or policy doesn't exist, just because they've never heard of it, rather than because it really doesn't exist.
