Wow, thanks for the education BankFodder, much appreciated. I never paid for the additional insurance premium, because that premium is quite substantial - I guess that is how Hermes top up their profits, by taking advantages of the consumers (such as my self) ignorance.   I like the idea of giving them 2 slaps by filing 2 claims, gives me some entertainment during this lockdown (again).   I have tried looked up Hermes website for contact details to send the Letter of Cla