I don't have experience with claims so far using them, but note that this DOESN'T cover a collector who bought something and is being shipped, since it's not yet in your possession. This is not a way to insure when being shipped, unless you are a dealer and buy a dealer policy. At that point, it still doesn't cover a freight carrier unless you (a Dealer) were transporting to and from a show or location, etc.
IMO There is no good shipping insurance option when you buy something. You just hope it gets there in one piece.