Something I am quite tired of reading in on-line auctions:
"We are not responsible for lost packages/mail. If you do not purchase insurance, we will not refund your payment"
Let's review:
A person buys an item from you at an on-line auction.
That person sends payment which you receive.
You are now obligated to deliver the item to that person in the condition stated in your auction.Only the sender of an item can claim a value and insure it.
Thus the sender/seller should purchase insurance if they desire, the recipient/buyer cannot do so.
So please sellers, don't put that load of garbage into your auction listings, it just makes you look ignorant.