Last month  I watched a £12,000 sale slip through a retailers’  fingers in just 90 seconds—not because the ring was too dear, but because the insurance form looked like a small novel. If you think that’s peculiar, consider this: with gold up 112 per cent in ten years and 70 per cent of households under-insured, customers will pay for protection…until you ask them with the subtlety of a tax inspector.

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