"Insurance doesn't work. It is a gimmic for the seller to make more money."

Once again Stu paints everybody with the same broad brush. Not EVERYONE charges "gimmic" insurance "to make more money."

When I am deemed to be the top bidder on ebay for a particular item; as the buyer,... I expect to pay reasonable insurance fees to the seller for my own protection and assurance that the item was mailed.... and I expect bidders on any lots I put up on ebay to do likewise.