Why are add-ons pre-checked?
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The Trick: Why is travel insurance already ticked at checkout?
Most people don't change defaults. Pre-ticked boxes turn inaction into purchases. EU consumer law bans pre-ticked boxes for extra payments. Source: EU – Consumer Rights Directive
Why It Works: Why do defaults work so well?
Changing takes effort and the default feels recommended. Defaults carry an implied endorsement and cost nothing to accept. Source: Wikipedia – Default effect
How to Spot It: How do you spot a sneaky default?
Read every ticked box before paying. Scan the final screen for items you didn't add yourself; regulators call this "sneak into basket". Source: Wikipedia – Dark pattern