Help! Spakers damaged during shipping?Paid insurance (with proof)being told not Insured?

buyer beware here in the UK!  
 A few months back, I sold a large pair of elecrostatics speakers on ebay for £3,500 UKP
The buyer was in a different part of the UK, so we needed to arrange delivery rather than collection.
I used Hermes which was a very reasonable price until it came to the insurance which was over £200 UKP on top of delivery but the shock to me was this didn't cover damage, only loss!
Hermes won't insure  any electronic items for damage!
They were in the double skinned original packaging and fortunately, all went well and the buyer is a now happy user of my Martin Logans and I am a happy user of new ATC SCM40As ..... (which I collected from the dealer!)

I'm not an expert but I have some legal experience. The info you received from previous replies here is valid and correct. Some folks do send broken and misrepresented items. Insurers do need to protect themselves from that. However, in my experience and common sense, if a company charges you for a service, you should have it. If there are issues that could invalidate that agreement the insurer should make that clear. Also, I often receive packages that are left at my door without a chance for me to inspect before I accept. Just be honest and follow up, I hope you get a break. 

Back a year or so ago I had purchased a used pre that was shipped from the mid-country to the east coast insured for the full price(4500). Buyer purchased new double box and packing materials from manufacturer. Package arrived and did not show any immediate signs of being mishandled. Upon unboxing and putting into the system 'something' was amiss, there was a noticeable noise coming from the unit. After a couple of emails back and forth we started a claim and I took the unit into a authorised repair shop. Turned out several of the output capacitors had the leads broken off from a impact, so it was determined that the box had been dropped on its side. FedEx paid the claim which was less than the full estimate, but would have probably covered the repair if I had not elected to replace all four of the output caps with new rather than just replacing the two that were unusable. It ended us costing me a bit, but in my estimation I got a good deal on the unit and it was worth the investment.

All in all I felt it went pretty well with the shipper

I am quickly seeing this thread has no point.  We have been presented with a very thin explanation of what happened. If this is been ongoing for 7-8 months, I feel there would have been more information provided, i.e. like why the insurance claim was rejected.  Through work, life, etc. I have had insurance claims rejected.  In every case, I asked why, and was provided it.  I think once I was not, and I wrote the person and copied their legal counsel and the BBB who they were listed with.

If the op does not provide more detail, i.e. why the insurance was rejected, perhaps some details of communication, etc. then there is no point in having this discussion. It just becomes a whine fest.

I know in my case, the seller was given a claim representative that maintained contact with me and the seller letting me know what they needed as documentation. It was a drawn out procedure, but they maintained contact throughout. All you (I) needed to do was give them what they wanted, ie. picks of all sides of outside box and picks of inside box and packaging. Probably 3-4 months until they paid the claim.