Ooh, this has provoked some interest! Perhaps I could clear a few things up.
Is it a genuine loss?
Several people seem to think this customer is trying to pull a fast one. I do not. Several reasons:
1. I met the guy in London to deliver the lens to him and he struck me as (how can I say this politely?) more likely to be the kind of person who would leave something behind on a train, than to be the kind of person who would try to steal something.
2. The manner of the loss is very plausible to me. I know some people here have questioned that, but with respect, if you haven't been a regular train commuter you simply cannot appreciate the mindset. susie and some other London-based folk do.
3. The way he reported the loss to me, he fully expected that it would not be covered by insurance and that he would have to pay for a new one. We had a constructive discussion about how to do that, how to square his need to get one cheaply with our need to get one quickly, etc.
So anyway, I sincerely believe he's genuine. And I think it's best that we don't discuss the specifics of the incident any further for now.
Will LensesForHire lose out?
No.
The hire contract makes it quite clear that the customer is liable for any losses, as is only right and proper. So either the insurance will pay out, and the customer just pays the excess, or the customer pays for a new lens. I believe that in this case the customer will do the decent thing if he has to.
I'd rather not discuss the insurance claim any further. Personally I believe that the insurance company should not pay out in this situation, but if they do pay out then I would not want the world at large to think there is a soft target here. (And if that happened, pretty soon our premiums would go up or we'd become uninsurable - neither of which is particularly desirable.) I hope you appreciate my thinking here.
Surely goodwill alone isn't enough to run a business?
Nope. Absolutely not.
Time for a confession here. Whilst it sometimes suits me to come across as a little naïve, I am not. I have a lot of business experience and I know what I'm doing. Yes, I do firmly believe that goodwill is the best foundation for a business, and yes my glass is half full, and yes I do tend to assume the best of people rather than the worst. But that's not all. I'm not quite as stupid as I look. (Pipe down, whoever it was at the back who said I couldn't be!) I've poured a huge amount of money into LensesForHire, and I've just resigned from a well-paid job and a 23-year career in order to try to make a success of this. I wouldn't do that if there were huge loopholes through which all the lenses could disappear.
To address the concerns expressed by Little Man and others, we have multiple layers of security procedures. The fact that you can't see them doesn't mean they're not there. Obviously I'd rather not say too much about the specifics, but I am extremely confident that our business is not unduly vulnerable to theft and loss. Try and cheat us if you like, but don't blame me when it ends in tears, which it will.
Would it be better if we did things differently, perhaps? I'm reminded of the lyrics of a song (and a sad bonus point to the first person to recognise it!):
"If you negotiate the minefield in the drive...
And beat the dogs, and cheat the cold electronic eye...
And if you make it past the shotgun in the hall...
Dial the combination...
Open the priest-hole...
And if I'm in, I'll [let you hire a lens]"
No, perhaps not.