Q: What is a dual Duvet? A: It's a full comforter with a hidden button-down middle that goes two-thirds the way down the comforter. 
Q: Do I need to have an insert? A: No. The dual Duvet is a full comforter, no insert needed. 
Q: How do I use the dual Duvet? A: Simply button down the middle buttons and fold down the side not needed for the night. Or just leave unbuttoned for total control over the night. 
Q: How do I wash my dual Duvet? A: Wash on cold, with like colors. Delicate cycle. Do not use bleach. Tumble dry low or no heat.