Pete - I believe my statement in its' entirety was "This may or may not be "legal", according to the UCC or other applicable laws, but it's worked well for several years now, and it's never been a problem."

Actually, what my auctions say in the description is "You pay postage/packaging/optional insurance costs only, no handling fees! Combine this

offering with any of my other items and save on postage! "

Is that sufficient to transfer the choice of insurance to the buyer?

Whether it is or not, I still say if it ain't broke, don't fix it, and if my methoids have given me well over a thousand transactions without a complaint or misunderstanding, it ain't broke.