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Posted By: Mike Navarro

If you bought the items on ebay AND paid via paypal and meet the necessary time deadlines, then you can file a Significantly Not as Described claim through paypal, you will be responsible for shipping back to the seller, and you will receive your money back from paypal (but not your return shipping).

If the seller did not disclose in his/her auction that the item you would receive would be shattered, then you will win the SNAD claim whether you purchased insurance or not.

Doesn't matter if it's right, wrong, or indifferent, that's just how it works. Ebay sellers agree to abide by ebay's terms to use their venue, and if they don't understand their responsibilities under that, they shouldn't be selling on ebay.