Sliding is the act or practice of: representing to the applicant that a specific ancillary coverage or product is required by law in conjunction with the purchase of insurance when such coverage or product is not required; representing to the applicant that a specific ancillary coverage or product is included in the policy applied for without an additional charge when such charge is required; or charging an applicant for a specific ancillary coverage or product, in addition to the cost of the insurance coverage applied for, without the informed consent of the applicant.