It’s an unnecessary complication - and while I do understand insurance companies operate differently, depending on the country for example, this still raises a red flag for me.
If it was 14 days after you’ve become aware that a parcel might be missing it’d be something else.
I’ve had this with a rental car insurance: My credit card (AmEx) covers them and the T&C state I have to file a claim within 14 days of becoming aware of an incident that triggers the insurance. A couple of years ago, a tram ran through the opened door of my rental - police was called to the scene and declared that the driver of the tram was at fault as the door had been open for a couple of minutes and was well in sight. So I didn’t file a claim. Almost three years later the rental company got in touch, asking for ~3k €. The total damage was twice that but the lawyers of the city that operated the tram saw most of the fault at my end, threatening with a law suit. City and rental company went back and forth for those years and in the end, the rental company decided to just accept the offer of going 50/50, forwarding half the damage to me. When I got in touch with the insurance provider of AmEx they accepted that, since the police didn’t consider the accident to be my fault, I hadn’t been aware of a possible insurance claim at that point but only when the letter arrived almost three years later, asking for money. That’s when my 14 day period started, I was well within it when I filed the claim, so they paid.
Lengthy example, I know, but I hope it shows what I mean: An international parcel can easily take longer than two weeks, it can even be somewhere for two weeks without shipment updates without it being lost. It’d make sense to me if I could file a claim once I’ve become aware of a lost parcel, through a notification from the courier for example. But 14 days after shipment is a rule that’s, excuse my French, is just BS in my book.
