I'm in the same boat as you ladies, only my driver was uninsured.
I have Cigna too, and the reason they don't like cervical ADR is that the guy who shapes their policy is a lumbar ADR specialist. If only it had been our lower backs, we might be approved.
CIGNA is telling me the same thing, but we are having my husband's HR people put some pressure on them.
I would love to know the program in Cyprus, and if they used the M6.