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I'm going to have to ask him for a refund on Saturday, which I know he's not covered for as RM signed for 2nd class covers "up to £50".
Not really your problem. Nice as a seller may be, they choose to send with inadequate insurance and that's on them.
If you get a refund and buy something else then it turns up you can always just post it back to the seller, using something better than 2nd class signed, and only be out for postage. Though, if they have been refunded by RM, is it really their property? Bit of a grey area as per the whole PistaMercato fiasco.
M_V
My seller seems to be a really nice chap, lightning fast to answer questions, recommended a suitable bottom bracket and cable set (which I bought and arrived weeks ago...), but - I'm going to have to ask him for a refund on Saturday, which I know he's not covered for as RM signed for 2nd class covers "up to £50". I'm going to have to ask for the refund as I need to move on, find another groupset and purchase it. Which of course leaves me in the situation that if the group then turns up later I have to refund the refund and I'll be out of pocket to the tune of one Campagnolo group set and one vintage Syncros seatpost. No good options here sadly, someone is going to be left holding the baby and it's probably going to be me, but the only other route is to sit on my hands for an indeterminate length of time hoping that RM pull their finger out - which they can't give any indication as to the likelihood of actually happening.