Sorry, but that's complete & utter rubbish,
Go to the list of items that are excluded from extra compensation & it's probably longer than the items that are entitled to the extra
It's just that 99.9% of people have never bothered to check the rules.
Oh and the rule is not entitled to extra cover, so what you get is the basic level of compensation according to the service you pay for,
so PF48 is £100, so is PF24, but PF 9-10 & AM are £200, RMSD by 1pm is £500, yet RMSD by 9am is only £50, standard 1st class is £20 but 1st signed for is £50.