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That's what worries me Charles. I wonder if any of the courier companies ever pay out insurance claims. It's not like car insurance where there are many examples to verify that the company actually treats claims in a reasonable manner.
As kinetic/Steve pointed out in the P&S Woes thread, the companies may stonewall claims unless there's pressure from an industry regulator/ombudsman, or media publicity like Checkout 'F U Tube'.
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