Just a hypothetical question!
A couple of weeks ago I took a week off work and rented a cottage in a remote part of northern England. I had some important papers to send to work so I checked out the local Post Office. It was only open on Tuesday and Thursday. It was 9am on Tuesday and the papers had to be there for Thursday so I was in luck. To be on the safe side I asked to send them by the Special Delivery Next Day service for £3.75. "They'll not get there tomorrow you know" said the postmistress "they never do". She felt guilty charging me £3.75 for a two day delivery. Aparrently by the time the Royal Mail van driver gets back to his depot, he's missed the mail train/truck to London. I wasn't too fussed and she told me to claim back my £3.75 if the delivery was late. She was right - the papers were delivered on Thursday.
Now for my question. Royal mail offer Consequential Loss insurance where you can claim compensation for late delivery. It costs an extra £3.15 for up tp £10000 of cover. Now what if I'd taken this out? In this case the late delivery didn't cost me anything, but I'm sure that I could engineer a situation where it would do. £10000 for a £6.90 outlay doesn't sound bad! Has anyone tried claiming on Royal Mail's Consequential Loss insurance? Is it easy to do? (Not that I'm advocating defrauding the Royal Mail or anything).