what does cover refer to?

[Referry]

Business English Lesson, Advanced Level

ESL/EFL Test #43 "Guarantees and Warranties", question 7

You will find that such warranties are not worth buying because the cover provided is ......... not worth the extra expense.

(a) famously
(b) frequently
(c) fervently
(d) freely

Business English Lesson, Advanced Level

ESL/EFL Test #43 "Guarantees and Warranties", answer 7

You will find that such warranties are not worth buying because the cover provided is frequently not worth the extra expense.

Correct answer: (b) frequently
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I do not understand the meaning of the sentence.what does cover refer to？ why frequently is the answer？

[Beeesneees]

It refers to insurance cover.

frequently = often. The insurance cover is often not worth the extra expense.
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Cheers m' dears!