Capucelli

Complaint Against:** XCover and GoShippo Date of Incident:** 09/16/2024 Insured Value:** $8,544.00 XCover Insurance ID:** 8----M------INS Created By:** J. L. I have been using GoShippo for 5 years, shipping millions of dollars in jewelry and paying thousands of dollars in insurance premiums. On September 16, 2024, I purchased a shipping label through GoShippo with UPS for a package insured for $8,544.00. The package showed as delivered, but no one signed for it. UPS confirmed that the package was lost, and XCover initially agreed to pay out the claim. However, when it came time to pay the full value that I had insured, XCover sent me a breakdown of the payment that was never disclosed when I purchased the insurance. They claimed that their policy terms had changed on January 1st, 2024, without notifying us. Here is the payment breakdown they provided: - **Cost of goods:** $8,544.00 - **Deductible:** $1,250.00 - **Subtotal:** $8,544.00 - **Cover limit:** $5,000.00 - **Total approved amount:** $3,750.00 Nowhere during the insurance purchase process was there any mention of a deductible or a coverage limit. GoShippo and XCover require customers to enter the total value of the product when purchasing insurance, implying that the full amount would be covered. This misleading practice has resulted in a significant shortfall of $4,794.00 in coverage. I demand that XCover and GoShippo honor the full insured value of the necklace as per the insurance I paid for. If this issue is not resolved immediately and fully, I will be forced to pursue legal action for bad faith insurance practices against both GoShippo and XCover. I expect a swift resolution and full payment of the insured value.

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