[conor912]

Other than the obvious of potentially losing you as a customer, what is a TPGs incentive to not damage your card? I'm not seeing a whole lot, but I could certainly be missing something. You declare the value, but that's so they can charge you appropriately and has nothing to do with any kind of insurance policy on their end. Seems like I've seen instances of cards being damaged and they just grade it with the damage and their excuse is, "oh well, mistakes happen". Am I missing something, or does this fall squarely on the owner to have outside insurance on the card? And if so, will the policy pay out if it was damaged while not in your possession?