Common Reasons for Claim Denials
Based on the insurance provider's terms, claims are frequently denied for the following reasons:
- Improper Packaging: If the carrier or insurer determines the item was not packed securely enough to withstand standard transit handling.
- Missing "Unboxing" Evidence: For damage claims, if clear photos of the original shipping box (internal and external) are not provided.
- Expired Deadlines: Filing a claim even one day after the mandatory windows (e.g., 15 days for theft, 30 days for damage).
- Excluded Items: Shipping items found on the prohibited list (see below).
Prohibited & Non-Insurable Items
The following items are strictly excluded from insurance coverage:
- High Valuables: Cash, negotiable bonds, jewelry exceeding $500, and loose precious stones.
- Perishables: Food, plants, or items that spoil due to temperature or delays.
- Dangerous Goods: Hazardous materials, flammable liquids, or batteries shipped against carrier regulations.
- Fragile Goods (Limited): Items made of glass, porcelain, or ceramics that are not in their original, unopened manufacturer's packaging.
Common Questions About Insurance
Q: Can I insure used or refurbished items?
A: Yes, but coverage is limited. For used or refurbished items, the insurer typically covers the purchase price (verified by invoice) or the current market value, whichever is lower. Cosmetic damage on used items is generally not covered.
Q: What happens if Customs opens my package?
A: Insurance does not cover any damage or loss caused by Customs inspections, seizures, or governmental delays. Once a package is opened by authorities, the insurance protection for that specific inspection is voided.
Q: Is the shipping cost insured?
A: No. Our insurance protects the declared value of the goods only. Shipping fees, customs duties, and taxes are not eligible for reimbursement.