I have started selling some stuff on ebay about 2+ years ago. Anything I sell over $100, I pay for the insurance. I send it in a bubble mailer, with cardboard on each side of the card, first-class through the post office so I have a tracking number. I am not worried about the card after I send it with the insurance, it does cost a bit, probably about $8 on a $600 card.
As far as returns, it hasn't happened that often but of course there have been a few. Now on returns, because I am worried about being scammed, I videotape my opening of the package. Though I have been fortunate not to get hit by anyone trying anything on returning something to me.
Now I do have and have sold several higher valued cards and only had problems with one. It was a PayPal transaction, the buyer sent the card from my grader to another and it came back altered so he filed with Paypal. They sided with me, took a few weeks of pain in my ass!
I say pay the extra and have it insured and don't sweat the selling part. Now if you want to worry about the return problems, that is up to you, I don't worry about it that much and I am the type to over think things way too much.
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