> The same where a bank doesn't provide the same data and services on their website than on their phone application.
I'm sure this exists (and clearly so does the insurance company practice), but I've never run into it — bank websites always have the same or more functionality than the phone app. Except maybe something like mobile deposit.
On one of my account, you can't add a recipient without waiting 72h, unless you have the mobile phone app. You need two 2FA, unless you have the mobile phone push. Graphs and payment categorization are only available on the application.
One of my credit cards has no web functionality at all, you can only interact with it through an app. This impacts me since it means my accounting software can't log into it and fetch data.
One of my credit cards is from bank that shut down its website functionality (virgin money).