One-off transit insurance needed

[Simpo Two]

All the paperwork is lined up to return a £346 mattress to Italy via DHL - but the Italian end didn't add any insurance cover and if the mattress doesn't arrive they're hardly likely to refund the price. It's not in their interests to insure it and DHL won't let me add insurance because it's not my account.

So I'm looking for one-off cover for this shipment. All the insurers I see on line want me to be a business or a tradesman or buy cover for a year. Any suggestions please?

[Insurancejon]

you're pushing against a locked door. the minimum premiums on transit policies will kill the idea for you. they are designed for much bigger sums insured.

[Simpo Two]

Thanks Jon.

So if the other party refuses to insure it I just have to rely on luck... seems to me they can say it didn't arrive and use that as a reason not issue a refund. I lose the goods and the money.

BTW this is via Amazon. When I told the seller that the mattress wasn't insured for shipping they said [i] 'Amazon is your insurance, when you give back a product we have to refund you. if DHL damages or looses the mattress they are the direct responsables.
Don't worry about this' [/i]

DHL would indeed be responsible if it disappears, but wouldn't they simply say 'Not insured, tough'? If the goods don't get back to the seller do they really still have to refund?

[Mikedknight]

If the seller paid for and arranged return shipping once the mattress has left your hands it’s not your problem. If they decided to not insure it and it’s damaged that’s their bad luck.

As a former amazon seller I can assure you that the customer is always right. You could literally set fire to the mattress and return a crisp packet full of ashes and they would still refund you.

[Insurancejon]

they will have a limit of liability based on the weight of the product. somewhere between 1500 and 2000 a tonne

I think you might be over thinking this. if the seller has arranged the return (which by the sound of it they have) then you have fulfilled your obligations by giving it to the courier....what happens next is their problem not yours

[jeremyc]

Thread contents disappoint given title.

Here's a one-off Transit to make amends.

[Simpo Two]

Thanks very much guys, I just like to have fielder in every corner of the pitch

[mr_spock]

If you pay for the delivery on a credit card, would it be covered by them?

[Simpo Two]

mr_spock said:

If you pay for the delivery on a credit card, would it be covered by them?

Interesting idea (though in this case the seller paid for it). I think not, because the physical product and the insurance are two separate things. If you buy a car with a credit card you'll be covered if the wheels fall off, but it's not insured...