"Insurance Optional" is BS...

OneCent · November 7, 2008 8:20AM

I am of the opinion that insurance is the responsibility of the seller not the buyer.

I never pay for the "optional insurance". Should I for some reason not receive the coin
and the seller claims that I did not "opt" for the additional insurance I would immediately
file a claim with paypal and promptly neg the seller.

My rant for the day. Thank you.

ksteelheader · November 7, 2008 8:22AM

Post it here.

ILikeMercs · November 7, 2008 8:24AM

posted and ranted, ad nauseum.

ProofRainbowRoosevelt · November 7, 2008 8:27AM

Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree

ksteelheader · November 7, 2008 8:30AM

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible?

dan8402 · November 7, 2008 8:45AM

<< 

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible? >>

Why would they on something that isn't insured?

PCcoins · November 7, 2008 8:46AM

I use optional insurance when I sell, but the material is rather cheap usually under $40. But I always use delivery confirmation so I know, and you know when it was successfully delivered.

Because if I buy a $10-20 dollar coin, there's no need to pay for insurance, and should be the buyer choose IMO.

If I was selling a coin with a lot of value then the insurance would be there, so it depends on the value of whats being sold.

dizzyfoxx · November 7, 2008 8:46AM

<"Insurance Optional" is BS...>

Absolutely

If an item does not arrive to its' destination, the seller is fully responsible to cover it or replace it, regardless whether or not the buyer clicks on the "optional insurance" button. I always just laugh at those.

ksteelheader · November 7, 2008 8:54AM

<< 

<< 

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible? >>

Why would they on something that isn't insured? >>

There is this thing called "Delivery confirmation".

ajbauman · November 7, 2008 9:04AM

I would put insurance on everything, ship it overnight, delivery confirmation, and insured delivery IF the buyer is willing to pay for it.

My problem with the eBay shipping system is that no matter how much I seem to charge for shipping, the seller is not happy. Most of the time they whine because it costs too much, but it costs money to add all of those extra services.

I shipped two items a while back via USPS and I wanted to be cheap, so I just sent them regular first class mail. Well for some reason USPS lost BOTH of them and I mailed them within' a week of each other. I gave the buyers full refunds, but then I was the coin, the eBay/PayPal fees, and my time and frustration!!

Moral of the story... I'm fine with adding all of the extra services as long as the seller isn't going to whine about how expense it is!

doh · November 7, 2008 9:13AM

<< Should I for some reason not receive the coin
and the seller claims that I did not "opt" for the additional insurance I would immediately
file a claim with paypal and promptly neg the seller. >>

May I have your eBay handle please? I need to make sure I never buy from you. I agree with you in principal, but you're WAY too trigger happy with the paypal claims and negative feedback. Try working with the seller and/or figuring out what happened to the package before you go off crying to Paypal that you're being scammed. JEEZ.

ILikeMercs · November 7, 2008 9:14AM

as a seller, I don't give the option and as a buyer, I never opt for insurance.

fcloud · November 7, 2008 9:14AM

WithArrows · November 7, 2008 9:17AM

If an item isn't terribly expensive...say under $50, there is rarely a need to insure it. In fact, I've had buyers complain when I made insurance mandatory on those items. They didn't want to pay such high shipping cost relative to the value of the item. I now make it optional on lower value items and have never had a problem. On items north of $100, then yes, insurance is always mandatory.

dan8402 · November 7, 2008 9:19AM

<< 

<< 

<< 

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible? >>

Why would they on something that isn't insured? >>

There is this thing called "Delivery confirmation". >>

But how many sellers will opt for delivery confirmation without insurance. Usually, they are just trying to keep shipping costs low or pass the costs onto the buyer.

GrumpyEd · November 7, 2008 9:27AM

<< Seller might as well insure. According to PP, they are responsible for an item's arrival.>>

If paypal is used it's the sellers problem.

OneCent · November 7, 2008 9:28AM

<< 

<< Should I for some reason not receive the coin
and the seller claims that I did not "opt" for the additional insurance I would immediately
file a claim with paypal and promptly neg the seller. >>

May I have your eBay handle please? I need to make sure I never buy from you. I agree with you in principal, but you're WAY too trigger happy with the paypal claims and negative feedback. Try working with the seller and/or figuring out what happened to the package before you go off crying to Paypal that you're being scammed. JEEZ. >>

Hey doh, let's try this...post your e-bay handle first so that I never buy from YOU!

If a seller wants to "pass-through" the cost of insurance, include it in the cost of shipping and handling. Quite simple.
And yes, I would neg 'em if they (the seller) claimed that since I did not "opt" for insurance they in turn would not make me whole. Totally
justifiable in my book.

CoinJunkie · November 7, 2008 9:36AM

<< If a seller wants to "pass-through" the cost of insurance, include it in the cost of shipping and handling. Quite simple.
And yes, I would neg 'em if they (the seller) claimed that since I did not "opt" for insurance they in turn would not make me whole. Totally
justifiable in my book. >>

If insurance is optional, and you don't opt for it, then you have no ETHICAL grounds
for a complaint. The seller gave you the decision, and YOU made it. Live with the
consequences.

doh · November 7, 2008 9:43AM

OneCent, my eBay handle is -doh- Please feel free to avoid my auctions, that'd be great, thank you.

You don't sound like you sell too much on eBay. I'm not sure how you see leaving a negative as justifiable since the buyer was the one who passed on the insurance. See if that works on car insurance...or homeowner's insurance. "But but but, I didn't make it rain, why do I have to pay for the flood damage?" Because you opted not to have flood insurance. People need to start taking responsibility for themselves.

jessewvu · November 7, 2008 10:02AM

I think a part of it is being forgotten. The USPS is taking possession of the item and the seller has released their liability to the USPS. A quick analogy is if you ordered a meal from a restaurant and YOU paid for a waitress to deliver it to you. On the way to you they decided to eat it. Who do you think is responsible for covering the loss? Do you think the restaurant that prepared the food, packed it up, and gave it to the waitress should be responsible; after all, you paid to have it delivered.

Stupid analogy maybe, but you, the buyer, are paying to have the item delivered to you. How is it the responsibility of the seller to insure your package? If they know what they are shipping and do everything they can to ensure that it will reach the appropriate destination, that's where their responsibility ends. If you want, pick up the item in person and don't pay for insurance, it isn't the sellers responsibility.

If the seller has free shipping, then maybe it is their responsibility because they are paying for the item to be shipped.

That's my opinion on the matter. That's not to say that I haven't insured packages that I feel need it even if the buyer did not pay for it. That's my judgement call to make.

drwstr123 · November 7, 2008 10:04AM

Hey....do what you think is right.

OneCent · November 7, 2008 10:08AM

<< 

<< If a seller wants to "pass-through" the cost of insurance, include it in the cost of shipping and handling. Quite simple.
And yes, I would neg 'em if they (the seller) claimed that since I did not "opt" for insurance they in turn would not make me whole. Totally
justifiable in my book. >>

If insurance is optional, and you don't opt for it, then you have no ETHICAL grounds
for a complaint. The seller gave you the decision, and YOU made it. Live with the
consequences. >>

<< 

<< If a seller wants to "pass-through" the cost of insurance, include it in the cost of shipping and handling. Quite simple.
And yes, I would neg 'em if they (the seller) claimed that since I did not "opt" for insurance they in turn would not make me whole. Totally
justifiable in my book. >>

If insurance is optional, and you don't opt for it, then you have no ETHICAL grounds
for a complaint. The seller gave you the decision, and YOU made it. Live with the
consequences. >>

Ethical grounds? Are you kidding me???

The ETHICS involved lie with the seller to ensure that I get the coin I paid for.

No end-around BS click-it now add insurance for an additional $1.90. In principal it is the sellers responsibility to ensure that I get the coin that I paid for. In fact, it may even be the legal responsiblity of the seller. There is no "option". If they want to include the cost in the shipping and handling so be it but by making it "optional" does not resolve them of THEIR ethical obligation.

And to doh...

WIth flood, car, liability insurance the owner is insuring themselves against a potential loss. OF COURSE they would have to pay for the insurance as they are transferring the risk of this loss to a third-party. In the case of an e-bay coin transaction it is the seller who is the owner of the coin and should insure HIMSELF against the risk that the coin will not arrive to the buyer. Geesh...

PCcoins · November 7, 2008 10:12AM

<< OneCent, my eBay handle is -doh- Please feel free to avoid my auctions, that'd be great, thank you.

You don't sound like you sell too much on eBay. I'm not sure how you see leaving a negative as justifiable since the buyer was the one who passed on the insurance. See if that works on car insurance...or homeowner's insurance. "But but but, I didn't make it rain, why do I have to pay for the flood damage?" Because you opted not to have flood insurance. People need to start taking responsibility for themselves. >>

Well put

doh · November 7, 2008 10:15AM

<< In the case of an e-bay coin transaction it is the seller who is the owner of the coin and should insure HIMSELF against the risk that the coin will not arrive to the buyer. Geesh... >>

You can't have both ways OneCent. In one scenario you paid for the coin so the seller has make sure YOUR coins gets to you. In your next scenario you paid for the coin, but somehow it's still the SELLER'S coin and it's his responsibility to get it to you. I mean, honestly, pick one. In any event, this isn't a point that's worth arguing. We can both agree that the seller should send the coin when he gets paid and make sure it gets there. All I'm saying is that I take responsibility for my own choices and actions. If I choose to save a couple bucks on insurance as a buyer and the seller shows proof that he mailed it, but the post office lost it, I'd suck it up and learn my lesson. I wouldn't file a claim with Paypal or neg the seller. The seller did nothing wrong, he mailed the coin without insurance which is exactly what I asked him to do. I have personal responsibility. As you would say, "geesh."

Connecticoin · November 7, 2008 10:28AM

<< as a seller, I don't give the option and as a buyer, I never opt for insurance. >>

As a buyer, I might be inclined to do that as well -- however, if it is a coin I really want, or I got a really good price on it, I will get the insurance to "insure" the seller sends the coin to me.

grip · November 7, 2008 10:30AM

<< 

<< OneCent, my eBay handle is -doh- Please feel free to avoid my auctions, that'd be great, thank you.

You don't sound like you sell too much on eBay. I'm not sure how you see leaving a negative as justifiable since the buyer was the one who passed on the insurance. See if that works on car insurance...or homeowner's insurance. "But but but, I didn't make it rain, why do I have to pay for the flood damage?" Because you opted not to have flood insurance. People need to start taking responsibility for themselves. >>

Well put

>>

I agree.And that seems to be norm in this generation...Not taking responsibility for there actions.

Al

Bochiman · November 7, 2008 10:31AM

It seems pretty simple for me.
If you are selling from your own website, business, do it however you want. Deal with any consequences then.

If you are selling on ebay, particularly if you use paypal, as a seller, you better make sure it is insured, one way or another. Whether that is "self-insured", and you don't charge for it (sub-$50 packages seem best for this), or you make insurance mandatory AND buy it from USPS (or legitimate 3rd party insurance), doesn't matter.

Too many horror stories on here about problems when a coin doesn't arrive. To do other than the above shows a lack of intelligence or someone willing to gamble. And, if you gamble, then don't whine if it doesn't go your way

I would agree that, if a seller doesn't make insurance mandatory, and doesn't buy insurance themselves, then they shouldn't whine "I don't want to hear about it because YOU didn't buy insurance". Seller...get it to the buyer or have insurance in case it doesn't. Simple really.
There is NOTHING that the buyer can do to make sure they get the coin (realistically) whereas the seller has choices (packaging, where they drop the coin off, etc).

Imagine a seller who doesn't insure a coin, uses cheap packaging that gets ripped and coin falls out, but, hey, there was delivery confirmation and the envelope did get delivered...just nobody noticed the slit/small hole that the coin, which was packaged loose, fell out of (or got crunched, etc). Wanna blame the buyer/receiver on that one? Sure sounds like it.

OneCent · November 7, 2008 10:41AM

<< 

<< In the case of an e-bay coin transaction it is the seller who is the owner of the coin and should insure HIMSELF against the risk that the coin will not arrive to the buyer. Geesh... >>

You can't have both ways OneCent. In one scenario you paid for the coin so the seller has make sure YOUR coins gets to you. In your next scenario you paid for the coin, but somehow it's still the SELLER'S coin and it's his responsibility to get it to you. I mean, honestly, pick one. In any event, this isn't a point that's worth arguing. We can both agree that the seller should send the coin when he gets paid and make sure it gets there. All I'm saying is that I take responsibility for my own choices and actions. If I choose to save a couple bucks on insurance as a buyer and the seller shows proof that he mailed it, but the post office lost it, I'd suck it up and learn my lesson. I wouldn't file a claim with Paypal or neg the seller. The seller did nothing wrong, he mailed the coin without insurance which is exactly what I asked him to do. I have personal responsibility. As you would say, "geesh."

>>

Your parsing if not plain fabricating my position doh. Also you are insinuating that I do not take responsibility for my actions??? I actually find that quite offensive as you have no idea whether I do or don't. But since this is internet-land and one can make any accusation that they like with little repercussion, I won't hold that against you.

I do agree that this is not worth arguing, as my position is clearly the correct one.

edited:typo

doh · November 7, 2008 10:46AM

<< as my position is clearly the correct one >>

You're right, that is funny.

I never once said that you don't take personal responsibility....you did.

Take care, friend.

CoinJunkie · November 7, 2008 10:48AM

<< 
Ethical grounds? Are you kidding me???

The ETHICS involved lie with the seller to ensure that I get the coin I paid for.

No end-around BS click-it now add insurance for an additional $1.90. In principal it is the sellers responsibility to ensure that I get the coin that I paid for. In fact, it may even be the legal responsiblity of the seller. There is no "option". If they want to include the cost in the shipping and handling so be it but by making it "optional" does not resolve them of THEIR ethical obligation.
>>

Short of hand delivery, there is no way the seller can "ensure" that you get your coin.
The question then becomes one of risk and probability. If you want to make the USPS
richer by insuring low value items, then that should be YOUR choice. I don't see how
you benefit by having the decision made for you by the seller. And the seller doesn't
benefit by enforcing a stupid policy like mandatory insurance for low value items, either.

Frankcoins · November 7, 2008 10:53AM

Legally, the seller's responsibility ends when he delivers the item to the carrier, be it the postal service, Fedex, UPS, etc. At that point it is the BUYER'S responsibility to insure HIS property. Only the credit card industry (and Paypal) forces the seller to guarantee delivery, even if the buyer refuses insurance. Since Paypal or CCs are manditory on ebay, and unethical people refuse to pay for insurance and STILL file chargebacks against the seller for lost merchandise, optional insurance is not an option. Try buying a house, not buying insurance, then if it burns down, get the seller, or bank or Realtor to buy you a replacement.

Frankcoins · November 7, 2008 11:02AM

<< 
As a buyer, I might be inclined to do that as well -- however, if it is a coin I really want, or I got a really good price on it, I will get the insurance to "insure" the seller sends the coin to me. >>

The seller must ALWAYS be able to prove that he sent the item. Insurance protects the item while it is in the hands of the carrier.

dan8402 · November 7, 2008 11:04AM

<< Legally, the seller's responsibility ends when he delivers the item to the carrier, be it the postal service, Fedex, UPS, etc. At that point it is the BUYER'S responsibility to insure HIS property. Only the credit card industry (and Paypal) forces the seller to guarantee delivery, even if the buyer refuses insurance. Since Paypal or CCs are manditory on ebay, and unethical people refuse to pay for insurance and STILL file chargebacks against the seller for lost merchandise, optional insurance is not an option. Try buying a house, not buying insurance, then if it burns down, get the seller, or bank or Realtor to buy you a replacement. >>

I don't know if I can agree with much of the first half of your post. You mean to tell me that if you bought something from a store online and never received it that you would have no recourse? It is the seller's responsibility to get whatever you bought to you. It is not the buyer's responsibility until they take possession.

Edited to add: If the seller doesn't insure and the post office loses it, the post office isn't going to pay anyone. So, in that case, who is out the money? The buyer who never took possession, or the seller who didn't insure the package?

eCoinquest · November 7, 2008 11:07AM

You don't sound like you sell too much on eBay. I'm not sure how you see leaving a negative as justifiable since the buyer was the one who passed on the insurance. See if that works on car insurance...or homeowner's insurance. "But but but, I didn't make it rain, why do I have to pay for the flood damage?" Because you opted not to have flood insurance. People need to start taking responsibility for themselves.

I totally agree!!! OneCent you should take responsibility for your actions!

Disclaimer: Just my opinion, I am not insinuating anything.

ProofRainbowRoosevelt · November 7, 2008 11:11AM

<< 

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible? >>

Sadly, as far as USPS knows, they just delivered a package. According to PP, it is the sellers responsibility to get the item purchaced to the buyer. I don't make the rules, I just follow them

LALASD4 · November 7, 2008 11:20AM

<< Legally, the seller's responsibility ends when he delivers the item to the carrier, be it the postal service, Fedex, UPS, etc. At that point it is the BUYER'S responsibility to insure HIS property. Only the credit card industry (and Paypal) forces the seller to guarantee delivery, even if the buyer refuses insurance. Since Paypal or CCs are manditory on ebay, and unethical people refuse to pay for insurance and STILL file chargebacks against the seller for lost merchandise, optional insurance is not an option. Try buying a house, not buying insurance, then if it burns down, get the seller, or bank or Realtor to buy you a replacement. >>

I agree, in any other kind of business, ownership of the merchandise transfer over from the seller to the buyer once the merchandise is with the carrier, but the carrier is insuring the merchandise at that point. If lost , damaged, etc.. The buyer has to file the claim with the carrier's insurance company. Insurance is cover by the fee for the freight, it is not optional, so insurance should never be optional, the buyer has to pay it as part of the transportation cost.

notwilight · November 7, 2008 11:24AM

I do insurance optional. What is your ID so I can block you. I don't insure low value items because it doesn't make financial sense. I haven't had a loss of close to 2 years but if I did I would just absorb it and replace the item. So when I replaced the item and you negged me I'd be pretty pissed off. But I have to offer insurance as optional since some buyers insist that it be insured. --Jerry

johnsim03 · November 7, 2008 11:25AM

<< 

<< Legally, the seller's responsibility ends when he delivers the item to the carrier, be it the postal service, Fedex, UPS, etc. At that point it is the BUYER'S responsibility to insure HIS property. Only the credit card industry (and Paypal) forces the seller to guarantee delivery, even if the buyer refuses insurance. Since Paypal or CCs are manditory on ebay, and unethical people refuse to pay for insurance and STILL file chargebacks against the seller for lost merchandise, optional insurance is not an option. Try buying a house, not buying insurance, then if it burns down, get the seller, or bank or Realtor to buy you a replacement. >>

I don't know if I can agree with much of the first half of your post. You mean to tell me that if you bought something from a store online and never received it that you would have no recourse? It is the seller's responsibility to get whatever you bought to you. It is not the buyer's responsibility until they take possession.

Edited to add: If the seller doesn't insure and the post office loses it, the post office isn't going to pay anyone. So, in that case, who is out the money? The buyer who never took possession, or the seller who didn't insure the package? >>

Bingo. Case closed. Why is this being seriously discussed here?

The logic that a buyer should pay for an item never received is totally ridiculous, and always has been. Disclaimers to the contrary are bogus!

All IMHO, of course

John

WithArrows · November 7, 2008 11:32AM

Seems to me if the buyer was so worried about getting his or her items that he or she would have paid for insurance in the first place. "Case closed" as they say.

johnsim03 · November 7, 2008 11:34AM

<< Seems to me if the buyer was so worried about getting his or her items that he or she would have paid for insurance in the first place. "Case closed" as they say. >>

The problem with that logic is that, in fact, it is not the buyer's item unless it is received...

John

WithArrows · November 7, 2008 11:42AM

<< The problem with that logic is that, in fact, it is not the buyer's item unless it is received... >>

In fact, as it's been pointed out I believe, that's not legally accurate. This is the way it is as I see it: if a seller offers free shipping or shipping with insurance then the seller dang well better make sure the item gets to the buyer. If the seller offers insurance and the buyer declines, then the buyer is putting faith in the USPS that they (the USPS) will get the buyer's item to them. It's just that simple. Now, I don't know how those fellas at Paypal feel...from what I've read in this thread they seem to disagree with that logic, but the law, and common sense really, says if all you pay for is shipping, that's all you get. No insurance of anything. That's just how it works in the big boy world.

Aberlight · November 7, 2008 11:48AM

I sold an item and the buyer opted out of insurance. Later stated he never received the item despite USPS showing it delivered. After I spent several days talking to my post office and his post office he made a paypal claim which was quickly denied as I had proof of delivery. Since then I require insurance on any item sold and if the buyer wishes to opt out then they can do so by sending a check or money order. I hate requiring insurance, but if the post office had lost the package and the delivery confirm showed it being in Limbo then I may have been on the hook.

Fairlaneman · November 7, 2008 12:01PM

<< Hey doh, let's try this...post your e-bay handle first so that I never buy from YOU!

>>

Here is mine. fairlaneman_64. Please do not buy from me.

eBay is screwed enough already. Throw in a good case of buyer attitude and its even more screwed for the seller.

Ken

OneCent · November 7, 2008 12:08PM

<< 

<< Hey doh, let's try this...post your e-bay handle first so that I never buy from YOU!

>>

Here is mine. fairlaneman_64. Please do not buy from me.

eBay is screwed enough already. Throw in a good case of buyer attitude and its even more screwed for the seller.

Ken >>

Noted.

mrpotatoheadd · November 7, 2008 12:14PM

<< That's just how it works in the big boy world. >>

But not in eBayland, where buyers feel that they are entitled to have services provided for them at no charge. I know it's silly, but that's the way it is.

LALASD4 · November 7, 2008 12:25PM

The logic that a buyer should pay for an item never received is totally ridiculous, and always has been.

As a Buyer, we always has to pay for the items that we order, even when something is loss by the carrier, it is always on the contract.

I guess the sellers as a group should ask Ebay to include some kind of language to that effect.

Connecticoin · November 7, 2008 12:43PM

<< 

<< 
As a buyer, I might be inclined to do that as well -- however, if it is a coin I really want, or I got a really good price on it, I will get the insurance to "insure" the seller sends the coin to me. >>

The seller must ALWAYS be able to prove that he sent the item. Insurance protects the item while it is in the hands of the carrier. >>

Put another way, in most cases I would much rather have the coin than have to make a Paypal claim to a seller who might be tempted to stiff me if I opt out of insurance.

Metalsman · November 7, 2008 12:52PM

<< 

<< 

<< If a seller wants to "pass-through" the cost of insurance, include it in the cost of shipping and handling. Quite simple.
And yes, I would neg 'em if they (the seller) claimed that since I did not "opt" for insurance they in turn would not make me whole. Totally
justifiable in my book. >>

If insurance is optional, and you don't opt for it, then you have no ETHICAL grounds
for a complaint. The seller gave you the decision, and YOU made it. Live with the
consequences. >>

<< 

<< If a seller wants to "pass-through" the cost of insurance, include it in the cost of shipping and handling. Quite simple.
And yes, I would neg 'em if they (the seller) claimed that since I did not "opt" for insurance they in turn would not make me whole. Totally
justifiable in my book. >>

If insurance is optional, and you don't opt for it, then you have no ETHICAL grounds
for a complaint. The seller gave you the decision, and YOU made it. Live with the
consequences. >>

Ethical grounds? Are you kidding me???

The ETHICS involved lie with the seller to ensure that I get the coin I paid for.

No end-around BS click-it now add insurance for an additional $1.90. In principal it is the sellers responsibility to ensure that I get the coin that I paid for. In fact, it may even be the legal responsiblity of the seller. There is no "option". If they want to include the cost in the shipping and handling so be it but by making it "optional" does not resolve them of THEIR ethical obligation.

And to doh...

WIth flood, car, liability insurance the owner is insuring themselves against a potential loss. OF COURSE they would have to pay for the insurance as they are transferring the risk of this loss to a third-party. In the case of an e-bay coin transaction it is the seller who is the owner of the coin and should insure HIMSELF against the risk that the coin will not arrive to the buyer. Geesh... >>

ensure

Actualy its "INSURE" and you have the OPTION of having it or not. Case closed! BTW how would you fell if Ebay made it MANDITORY as in a BUYER fee? And where is this Ethic's code you are refering to?

cars · November 7, 2008 1:02PM

either way, If buyer doesn't receive item, Seller is going to pay for it thanks to pay pal's stupid proof of delivery instead of proof of shipment rule. I for one find that ridiculous. If pay pal required only proof of shipment I bet more buyers would purchase that optional insurance but most don't as they know PP will give their money back if it is not delivered. The only way for the seller to make certain you receive it is to bring it to you, knock on your door and hand it to you. I feel if buyer doesn't pay for INS and item is lost it should be on the buyer. Doesn't matter however as long as pay pal is around buyer will eat the fees for selling, Cost of shipment and lose the coin/item.

Coinhog · November 7, 2008 1:55PM

<< 

<< 

<< 

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible? >>

Why would they on something that isn't insured? >>

There is this thing called "Delivery confirmation". >>

But the real question becomes "Delivered to Whom?" Seller is responsible to get it in the hands of the buyer .... period

As a seller, I always pay for the insurance on something that I can't or am not willing to replace if it is lost, damaged or stolen in transit. The buyer pays his money, he is entitled to expect that the seller makes sure he gets it. More importantly, if he doesn't get it for what ever reason, he is entitled to expect the seller to either send him another one or send him his money back.

Its so simple that i don't understand why it is even a point of contention. As a buyer, I would never pay for insurance. insurance is for seller protection only.

dan8402 · November 7, 2008 1:56PM

<< 

<< 

<< 

<< 

<< Seller might as well insure. According to PP, they are responsible for an item's arrival. BTW... I agree >>

And, if the USPS scans the item as delivered, who is then gonna be responsible? >>

Why would they on something that isn't insured? >>

There is this thing called "Delivery confirmation". >>

But the real question becomes "Delivered to Whom?" Seller is responsible to get it in the hands of the buyer .... period

As a seller, I always pay for the insurance on something that I can't or am not willing to replace if it is lost, damaged or stolen in transit. The buyer pays his money, he is entitled to expect that the seller makes sure he gets it. More importantly, if he doesn't get it for what ever reason, he is entitled to expect the seller to either send him another one or send him his money back.

Its so simple that i don't understand why it is even a point of contention. As a buyer, I would never pay for insurance. insurance is for seller protection only. >>

It is amazing that as of your post, only 3 people that have posted in this thread fully understand that concept.

"Insurance Optional" is BS...

Comments

Leave a Comment

&quot;Insurance Optional&quot; is BS...

Comments

Leave a Comment

"Insurance Optional" is BS...