The insurance part is an absolute scam! Here is what happened to me: I've booked a delivery for a product and added insurance of £100. It could not be picked up on the 12th of April, so I've received an update of it. Next day I have seen no update, so asked the seller if it was picked up or not. They responded: yes it was. A lady came, scanned, and took it. No alarm bells so far. I started to become concerned on the 15th that no update happened on any days since the 12th. It still says to this day (over a month later) that: "Your friendly local courier couldn’t collect your parcel today, we're sorry about that. We'll try again on the next working day". I've been told it'll be investigated and I'd get an update. No response whatsoever. Another 3 calls on subsequent days, promises but nothing else. I could make a claim finally so explained that whatever happened to it, it went missing. I'd say the courier probably decided to keep it actually. Anyone can work for hermes as a contractor. (had a drunk guy showing up a few years back btw) The worst part is that following lots of back and forth (proof of value, purchase, explanation etc), they finally decided to reject my claim. Well that's an absolute scam! I haven't received my parcel, the communication was absolutely rubbish, I was treated very badly as a customer and finally they rob me. I'd advise anyone to keep away from this company and boycott their services for their own peace of mind.