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I feel a lot of these issues are because the focus is on bulk delivery as cheap as possible (even if you choose the premium, insured service - and it's fucking hard to get the money out of them if they do cock up, begging the question of why insure it?).
I also believe there should be *no* insurance option. You've paid for a service that they've contractually obliged to deliver - if they fuck it up, they should be liable regardless. Sadly, it doesn't seem to work that way...
edit: Should have read on. Good to hear you got it in the end.
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