I sell on Ebay and have a score of over 1,200. However, this week something happened to me on Ebay that should be a wake up call to all sellers. I sold a silver half dollar. My listing CLEARLY stated that the buyer assumes risk if insurance was not taken by the buyer. A fairly newbie buyer with a score under 35 bought it but did not want to pay for insurance. So I sent the coin as I have done many times before with no insurance. The buyer then claimed not to receive the item. I have a copy of the receipt from the post office showing what I paid to send the coin. However, astonishingly Ebay sided with the buyer and removed the money from my PayPal account which is scary if you think about it. It made me wonder so someone can just create a new account buy something then say they did not get it and possibly get the item for free? I was shocked that they would treat a longtime seller that has made them a lot of money over the years so poorly it just seems like poor business practice IMHO...
If you're a longtime seller, you obviously should know that insurance doesn't matter for squat. Insurance is only for the sellers protection and you're not even allowed to offer it to as an add-on to buyers.
All you need is online viewable delivery confirmation that shows the item was delivered and eBay or Paypal will never, ever side with the buyer in an INR (item not received) case. DC (delivery confirmation) is only 19 cents if you print your shipping labels through eBay, 63 cents at the post office.
You call the buyer a newbie but obviously, you have no clue what you're doing. The only one to blame is yourself.