Last year, CN excluded pillions on my 4 bikes. I called them to say i had pillion passengers as all bikes have rear seat and footrests. They altered it at no extra cost.
As a joke, i asked if i could have passenger cover for just 3 people in my car and leave one seat with a box on it as i only carry 3 people.
This year, i do have pillion cover and all went well with 66 pounds less than last year. Just waiting for the policy to arrive now