That's how the world works with a legitimate insurance company which you are not. Nobody asked you to work for free. We suggested paying a fee when it fails, not getting reships for free. Who asked you to do charity? Nobody
Why would you pay the fee AFTER the event? That's DEFINITLY not how insurance works!
Insurance is paid BEFORE any event, you are taking out insurance against the RISK of the event happening! The insurer, calculates the premiums so as to cover the possibilities of the risk occurring and the cost that the insurer will incur to cover the insurance policy for ALL policy holders.
(Not working off wholesale, just retail as thats the "lost sale") Lets for example say that packs are caught @ 1 in every 10. In this example to make things simple, every order is worth $1,000. 20% insurance is paid by all 10 = $2,000 in premiums. 1 order is reshipped = -$1,000. Leaves $1,000 in premiums with the insurer.
Now, lets say a route gets hot and out of 100 packs sent, 80 get caught. Each order once again = $1,000 @ 20% = $200 x 100 = $20,000 in premiums.
To reship the 80 = $80,000 but there are only $20,000 in premium's to cover it..... Does that then mean the insurer just says to 60 people, to bad, so sad.... Of course not! They offered a policy and they pat out on the policy that people PAID for to minimize their risk of this event happening.
Literally anyone can offer an insurance policy, IF they are willing to underwrite the cost of the policy paying out to policy holders. Is it regulated in this case... No. But QSC have REPEATEDLY stood behind their insurance policy and reshipped.
You do realize the paying insurance is not compulsory.... right?
You can take on 100% of the risk yourself and NOT pay the insurance fee.
Likewise, QSC already offer what you suggest.... If you don't take out insurance and your pack gets picked up by customs, QSC already offer a fee arrangement to reship your order..... You just pay 100% again and they will reship that order straight out!
Pretty convenient.... Yes or Yes?
(What you are suggesting, to only pay a % fee AFTER a pack is caught..... Is LITERALLY asking for fuckin charity!)