Looking back over the thread I see   Summary You sent a laptop computer to a repairer using Hermes. This was in about August 2020 the laptop was worth £200 and you paid the Hermes insurance to cover it the laptop never arrived and eventually Hermes told you that it was lost. You put in a claim and Hermes refused to accept your claim and they also refused to honour the insurance contract Hermes suddenly changed their story and said that in fact the laptop had been damaged and