Slighty different example but similiar topic. I just did a long and professional move where I purchased insurance to cover replacement value of my "stuff" should anything get damaged in the move. The insurance for essentially one week is three times my renters insurance for a year - so not exactly cheap. I had things get damaged and some flat out destroyed. I requested a claim form and was shocked to see the following - copies of original purchase receipts should be included! Are you kidding me? I had two lamps and two different shades get destroyed. You think I kept receipts for the lamps? Maybe I'm just bad at record keeping but I don't keep receipts for most things I own unless it is a really large purchase with a warranty.

I really don't want to fight with these people, in total my claim will be about $300, which is less than the insurance cost so they are still coming out ahead.

Not to mention the service they provided was downright horrible. Which I will be relaying in the customer service survey letter I received.

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When you get to the end of your rope, tie a knot and swing.