The seller has the responsibility to get the package to to the buyer. According to ebay in response to this question:
"Sellers aren't permitted to charge buyers a separate fee for insurance, either optional or required. In other words, buyer should see no separate line item for insurance fees within an item description or checkout. If a seller has chosen to purchase insurance to protect themselves, they can recover the cost of insurance within the handling fee or item price. Accordingly, sellers are permitted to state within their listings that the handling fees include insurance, or that shipping costs include insurance. However, there can be no indication of a separate insurance fee or an option to purchase insurance at checkout. By removing optional or required shipping insurance, we are adjusting tohelp meet buyer expectations for ecommerce and aligning with industry standard practices. In most circumstances, buyers do not expect to pay for the cost of shipping insurance. This change also reflects the industry - and eBay - standard practices that sellers are responsible for their items until they are safely in their customers' hands. I would suggest for you to request a cancellation of the transaction if you and the seller not agreeing the terms and condition rather than to continue with it. Thank you for being a valuable member of the eBay community. Have a wonderful time shopping and selling on eBay! Sincerely, Alice M. O. eBay Customer Support"
I offer insurance to net54 members, and feel if they turn it down the responsibility is now on them. Morally, you should do your best to communicate to the buyer the plan of safe arrival and live up to it. I have received cards from net54 members that I paid $1k and $650 for that were not insured. I wonder what those 2 members would have done if I had never got my cards? I guess I need to post my name on this one-
Steve Suckow
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