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I think insurance is a murky field if you get it from the shipping company. I had an Apple cinema screen broken in a DHL shipping but as the box "didn't show enough signs of exterior force" my claim was denied. I went through a 3rd party service similar to Parcelmonkey as well (not them though) which made things even harder
People that have used UPS, have you had to buy third party insurance? Seems like they will only cover up to $100, regardless of declared value.