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<p>[QUOTE=&quot;geekpryde, post: 1869299, member: 36248&quot;]Some new info:</p><p><br /></p><p>I formerly had the HWI &quot;bronze&quot; policy, which was a nice low premium.&nbsp; &nbsp; I am shipping more items back and forth between NGC and myself and CAC and myself, so I inquired about the &quot;gold&quot; policy.&nbsp; &nbsp;&nbsp; For my covered amounts, the gold policy is only about 70% more expensive.&nbsp; &nbsp; Well, percentage wise that might sound scary, but let&#039;s say your premium is $50 a year, your new premium is only $85 per year! Did I mention this was a no-brainer for collectors?</p><p><br /></p><p>This is what the gold policy gets you:</p><p><br /></p><ul> <li>Covers your collection against ‘all risk’. This includes fire, theft, natural catastrophes, water damage and accidental damage. (see previously listed MAJOR EXCLUSIONS)</li> <li>Only requires you to schedule single items that are worth in excess of $10,000 each.</li> <li>Provides for up to $ 50,000 (or your limit of insurance, if less) <b>for personal transits or mailing by registered or insured USP Services within USA/Canada.</b></li> </ul><p><br /></p><p>I was told in <u>writing</u> that only USPS registered mail qualifies, even though I specifically asked what &quot;<b>or insured USP Services&quot; </b>means.&nbsp; I was specifically told USPS Priority mail does not qualify.&nbsp; &nbsp; Obviously, there must be differences between the dealer policies and the collector policies.</p><p><br /></p><p>Now, I was also told something in writing which at first surprised me, but now totally makes sense.&nbsp; &nbsp;&nbsp; H<u>WI does NOT cover you if you are selling on eBay.</u>&nbsp;&nbsp; Reason being, if you have sold the coins, you no longer own them, they are no longer your property, and why would HWI being covering them?&nbsp; &nbsp; It all makes sense now.</p><p><br /></p><p>I was told that if I BUY something on eBay, and have paid for it, and can demonstrate that I&#039;ve paid for it, then it automatically if part of my collection and therefore covered while it is in transit to me <b>BUT ONLY </b>if it was shipped to me Registered mail, and I don&#039;t think I&#039;ve ever seen this done by a run-of-the-mill seller on eBay.&nbsp;&nbsp; Something to think about for those of you buying $10,000 coins online.</p><p><br /></p><p>Registered mail Shipments to NGC/PCGS and CAC would be covered while in transit but not while in their possession.&nbsp; &nbsp; Again, makes sense.</p><p><br /></p><p>All around, great customer service, and I know alot more than I did last week.&nbsp;&nbsp; For not alot more money, I can save a whole lot of cash while shipping coins to CAC, still paying for registered mail, but possible 1/2 as cheap now that I can forge paying thought the nose for USPS insurance.[/QUOTE]</p><p><br /></p>

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