If as people are saying, one checks to see if your item is not prohibited and it isn't so you go ahead in good faith only for something to happen and have a claim turned down, could one not turn around and say the exclusions were not made clear from the get go? It would seem there is deliberate misrepresentation by the Couriers if they take all this money to insure items, in the full knowledge that any claim will be excluded. It's a bit like the P.P.I. mis-selling?
Yes, one would ideally do face to face deals but a few months ago I could not arrange a satisfactory Courier ( they would only offer compo if the item was lost , if damaged £100 max and it was a £700 bass) so I drove to Newcastle from South Somerset. As I am no longer a regular distance driver the journey was a nightmare with roadworks and delays, in the end I spent about 16 hours on the road and £80 on fuel. Never doing that again.