Hello, I am insured with ABT and after I sent them a query today they have told me they won't insure me to use INK gel products as I haven't completed the INK course which isn't set up yet. I did a level 2 manicure and pedicure course and also a gelcolor conversion course for OPI. Application of INK products is almost identical to OPI. Does anybody know if I will get a refund if I change insurers? Has anybody else had this problem? TIA x