A common misconception among buyers and sellers is the idea that buyers must purchase shipping insurance in order to be protected from lost or damaged pack
ages. Since most items on Ebay are purchased through Paypal, buyers are already protected through Paypal's Buyer Protection Policy. Buyers who use Paypal simply need to file a claim through Paypal in order to be reimbursed of all charges. Does this mean that a buyer should avoid purchasing shipping insurance altogether? Unfortunately, the answer is no.
There are some cases where shipping insurance is a buyer's only means of protection. These cases arise when a seller uses their own merchant account or only accepts checks, money orders, or wire transfers for certain transactions. In such cases, purchasing shipping insurance is a must because Paypal's Buyer Protection Policy is no longer in play.
If a buyer ever does need to purchase shipping insurance, they should also make sure a seller specifies, through their listing or otherwise, that a buyer will be reimbursed if there are ever any problems with shipping. If there is no such language on part of the seller, then a buyer should request an invoice specifying a shipping insurance agreement. This would create a documented agreement between both parties, which could then be used in a court of law if ever need be. Although both parties would probably like to stay out of a lawsuit, it may be the only means a buyer has of reclaiming their lost funds.
ages. Since most items on Ebay are purchased through Paypal, buyers are already protected through Paypal's Buyer Protection Policy. Buyers who use Paypal simply need to file a claim through Paypal in order to be reimbursed of all charges. Does this mean that a buyer should avoid purchasing shipping insurance altogether? Unfortunately, the answer is no. There are some cases where shipping insurance is a buyer's only means of protection. These cases arise when a seller uses their own merchant account or only accepts checks, money orders, or wire transfers for certain transactions. In such cases, purchasing shipping insurance is a must because Paypal's Buyer Protection Policy is no longer in play.
If a buyer ever does need to purchase shipping insurance, they should also make sure a seller specifies, through their listing or otherwise, that a buyer will be reimbursed if there are ever any problems with shipping. If there is no such language on part of the seller, then a buyer should request an invoice specifying a shipping insurance agreement. This would create a documented agreement between both parties, which could then be used in a court of law if ever need be. Although both parties would probably like to stay out of a lawsuit, it may be the only means a buyer has of reclaiming their lost funds.
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