If you’re buying insurance, you may come across the term “sliding.”
It sounds harmless, but sliding is actually one of the most deceptive and illegal tactics used by some insurance agents.

So, what exactly is sliding?

👉 Sliding is when an insurance agent adds extra products, fees, or coverages to your policy without your consent — and charges you for them.

This means you end up paying for things you never agreed to buy, often without even knowing it.

Sliding is considered fraud, and many states have strict penalties for agents who use this tactic.

Why Sliding Happens in Insurance

Some agents use sliding because they earn:

  • higher commissions

  • bonuses

  • performance rewards

  • increased sales numbers

By secretly adding extra products, they make more money — while the customer loses money.

This is why sliding is classified as an unfair trade practice in the insurance industry.

Common Examples of Sliding in Insurance

1. Adding Unwanted Add-Ons

This is the most common form of sliding.
Agents add extra coverages like:

  • roadside assistance

  • rental car coverage

  • accident forgiveness

  • identity theft protection

  • credit life insurance

…without telling you.

2. Bundling Products Without Consent

You request car insurance, but the agent adds:

  • extended warranty

  • glass coverage

  • accidental death policy

You never asked for these.

3. Charging Hidden Fees

Some agents include “administrative fees” or “processing charges” that were not discussed or approved.

4. Misleading the Customer

Some agents falsely say:

  • “This fee is required by law.”

  • “You must buy this add-on to qualify.”

These statements are false and meant to trick customers into paying more.

Why Sliding Is Illegal

Sliding is illegal because it:

  • violates consumer rights

  • misleads customers

  • adds unauthorized financial charges

  • breaks insurance regulations

  • harms trust in the industry

Penalties for agents include:

  • license suspension

  • state fines

  • termination

  • bans from selling insurance

  • criminal charges in severe cases

How to Spot Sliding (Warning Signs)

Look out for these red flags:

✔ Your premium is higher than the quote

If your policy costs more than your original quote, sliding may be involved.

✔ You see unfamiliar add-ons

If your policy contains coverages you never discussed, that’s a red flag.

✔ The agent rushes you to sign

Sliding often happens when customers don’t have time to review documents.

✔ Vague or confusing explanations

Agents who slide will avoid giving clear answers.

✔ You are told something is “required”

Always ask for written proof if an agent claims an add-on is mandatory.

How to Protect Yourself From Sliding

1. Ask for a full coverage breakdown

Request a list of every item included in your policy.

2. Compare your quote to your final policy

Both should match exactly.

3. Read your policy before making a payment

Check for extra coverages and fees.

4. Request written confirmation of optional items

Agents cannot hide or mislabel optional coverages.

5. File a complaint if needed

Report suspected sliding to:

  • Your state’s Department of Insurance

  • The insurance company’s complaint department

Sliding cases are taken seriously and often lead to penalties for the agent involved.

Is Sliding the Same as Upselling?

No — and the difference is important.

Upselling (Legal)

The agent offers you additional coverages and you choose whether to buy.

Sliding (Illegal)

The agent adds coverages or fees without your consent and charges you.

Conclusion

Sliding in insurance is an illegal and deceptive sales tactic where agents add unauthorized products or fees to your policy. It increases costs for customers and violates state insurance laws.

To protect yourself, always:

  • review your policy

  • compare quotes

  • ask questions

  • verify every charge

Being informed is the best defense against sliding.

🔍 FAQ — Sliding in Insurance (SEO Optimized)

1. What does sliding mean in insurance?

Sliding is when an insurance agent adds extra products or fees to your policy without your permission.

2. Is sliding the same as hidden fees?

Yes. If the customer did not authorize the fee, it is considered sliding.

3. Why do agents use sliding?

To earn higher commissions or bonuses by selling additional products.

4. Is sliding illegal?

Yes. It is considered insurance fraud and is illegal in many states.

5. How can I avoid sliding?

Always review your policy carefully and request a breakdown of every item included.

6. What do I do if I suspect sliding?

Report it to your state’s Department of Insurance and contact your insurance company immediately.

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