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When you send an expensive item by courier, you can pay to insure it. But if an item goes missing, there are exemptions in some insurance policies that mean you may not be paid back, leaving you seriously out of pocket. Winifred Robinson hears from a listener who had a bad experience when sending a guitar, and speaks to an expert to find out if there's anything you can do if your parcel goes missing. First broadcast on You & Yours, 16 July 2018.