Exclusions that are part and parcel of Hermes’s T&Cs

It won’t pay up although I had insurance for a lost pair of ‘glass’ binoculars (which were plastic)Hermes is refusing to pay compensation after losing a £169 pair of binoculars. It says that under its terms and conditions, they are excluded because they are made of glass – even though I insured them to the value of £120. I can understand withholding a payout for breakage of glass but not if they were lost. In any case, they have a plastic lens! SM, LondonHerme