Nobody said it was free.  But it is often cheaper than taking the
steps necessary to avoid the replacement (such as allowing drivers
enough time to walk up to the door and ring the doorbell, rather
than just dumping the package in the nearest convenient spot).

The same is true in *all* businesses. Cars could be made safer,
electronics could be tested before shipping, etc.  But there is
a cost to doing so, and there is a point at which these costs
far exceed the possible liabilty incurred by not spending that
extra money up front.

 
> Insurance isn't free.  Their insurance only covers the replacement cost 
> because they are paying a premium.  The premium is based on claims 
> experience, and it will cover not just the full cost of all expected 
> claims, but also the admin cost and profits.
> 
> It's a complete fallacy to think that "insurance pays".
> 
> John
> 
> On Sat, 3 Apr 2004 07:12:31 +0100, Malcolm Smith 
> <[EMAIL PROTECTED]> wrote:
> 
> > William Robb wrote:
> >
> >> They have decided that it is more profitable to screw up and lose the
> >> delivery. Their insurance coughs up the replacement cost, and in all
> >> likelyhood they will "deliver" the replacement.
> >> It's called profiting from ones mistakes, and they have elevated it
> >> to a business model.
> >
> > There is a Douglas Adams quality to this statement!
> >
> > Malcolm
> >
> >
> >
> 
> 
> 
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