I've been using various carriers for over 10yrs and non of them have ever honoured their insurance. In the end I stopped insuring items. Not too long ago I was sending out items with each on average £150 ins cover, about eight a month. The packaging was specialist made to unbelievable standards, way over the top.
The breakages eventually became one of the main factors for me to cease trading as non of the carriers paid out.
If it can be broken, they will break it. Not every time, but enough.
Somewhere on the net is a list of what is not covered by Parcel Farce, this same list near enough applies to all carriers .
If it can be broken or is valuable it's on the list. You get the sweeping categories such as glass, stone, wood, antiques, Then the less broad watches, jewellery, etc. The list is enormous.
The only thing I ever found the cover useful for is loss, as in not delivered. Funny that, I've never had to make that claim.....ever...!
That's what makes Ebay claims such a farce...
I'm currently disputing a non receipt case, I have the receivers signature proof.....but I will loose....again. Three this last month.
It used to be an odds game, you made more than you lost so took it on the chin. Since the new rules that is no longer the case.
I want to sell my Sealey mill, normally I'd put it on Ebay, now I'm very reluctant to do so.