The Authority has determined that Ryanair's commercial practice violates several articles of the Consumer Code. Ryanair is found to have engaged in deceptive practices by omitting or inadequately providing essential information about its insurance product. This includes the existence of an additional fee, the cost of the service, excesses, and airport taxes and rights that are not refundable. Ryanair's process for obtaining certification to exercise the right to be refunded is considered onerous and disproportionate due to the requirement to contact an extra charge non-geographical telephone number. Additionally, the option to purchase/not purchase the insurance policy is presented in an ambiguous and misleading manner by hiding the statement "Do not need insurance" within the list of European countries. Ryanair also fails to provide adequate information about the economic conditions of the insurance product during the booking process, which is not considered valid to direct consumers to other sources. The commercial practice under scrutiny by Ryanair was found to be in violation of several provisions of the Consumer Code, including Articles 20, 21(b) and (d), 22, 24, and 25. These omissions and misleading information misinform consumers about the actual characteristics of the service offered, resulting in them making commercial decisions they would not have made otherwise. Ryanair's practices violate Reg. EC 1008/2008, art. 23, which obligates the breakdown of cost to be provided. Finally, the Authority considers Ryanair's commercial practice to be aggressive because it imposes non-contractual, onerous, and disproportionate hindrances on consumers who wish to exercise their contractual rights.