Insurance for Luggage Transfer (aka unaccompanied baggage)

ColinB

Have just booked a rail-based holiday with a company that offers a luggage transfer service. The idea is that a courier collects your baggage before you travel, and delivers it to your hotel so you don't have to struggle on/off trains with it.

Sounds good, BUT the courier company will not accept any liability for loss or damage en route, and I have to arrange my own insurance. My travel insurer won't cover it because the luggage is "beyond my reach" and I can't guarantee it won't be left unattended. I've asked my home contents insurer if my policy will cover it (I have cover for personal possessions outside the home) but I suspect they will also decline because that policy has a similar clause.

Has anyone else come across this, and does anyone know of any insurer that will cover the risk either as part of a travel policy or as a stand-alone policy ?

Thanks in advance.