Another problem I had with insurance was that Australia Post asked me to provide an original receipt for the purchase price of the item I sold. They said that they would reimburse me for the amount I actually paid for the item rather than the price I sold it for. I sell collectibles and have had some items for over 30 years so couldnt possibly provide the original purchase receipt.

When I said I would be going to the Ombudsman, they changed their mind and reimbursed me for the full amount of the insurance.