The MSE article is very slightly misleading - the image of commemorative stamps says 'not accepted. RM have updated this on their website to say swap not needed.
The T&C say you need a proof of posting and a copy of the original form to make claim for loss. It doesn't quite say you're definitely covered but that's the implication.
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- Warning: Stamps that say '1st' or '2nd' class are going to become unusable from 31 January 2023