We’re assailed from all sides by choice. We’re persuaded by retailers, educationalists, the media and so on that choice is good. But can this mean needlessly adding complexity to something which should be simple? Can offering a choice deter people from making a decision? If a potential customer knows he or she wants to buy, say, locum insurance, do we deter them by asking if they want this, that or the other from a menu of benefits?
Is my practice covered for riot damage?
A practice manager asked us this a little while ago. It's not the sort of thing anyone wants to think about over a Monday morning coffee, but it's a fair question, and a smart one. So, here's the short answer, followed by the bits that matter if the worst ever...

