I once sent an iMac with paisley freight.
paid to fully insure it. (Was pretty new so about £1200 worth)
It arrived bent and battered and obviously not what the buyer wanted.
Contacted Paisley Freight to claim. They said they don’t insure computer equipment.
When booking the delivery it asked for the contents and value. Then it asked it I wanted to insure it to the full value.
This was the basis I used when I enquiried to the underwriters about being mis sold insurance. If they don’t insure it, they shouldn’t accept payment for it.
I was paid out pretty quickly.