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Last Post Nov 16, 2009 11:11 AM by: lev103
Replies: 47
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camscountrycottage
Posts: 5

New Insurance Policy

Sep 7, 2009 8:11 AM
I sell unbreakable items for under $15 and ship about half with Free Shipping. The Optional Insurance Description I added - not responsible for lost in shipping $1.50 Insurance - I felt protected me against Buyers saying it was not received and it really was. Ebay's new policy of making me remove that will make Me and other Sellers a real target for FRAUD from Buyers. I feel all of the changes eBay is making has been sticking it to the Sellers! If I add Insurance now my cost of shipping will be higher and my DSR's lower???? I understand not allowing some words to be used in decriptions but this one is not fair to Sellers.
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dukefamilyx4
Posts: 882
(1 of 47)

Re: New Insurance Policy

Sep 7, 2009 8:40 AM
You've ALWAYS been responsible for getting item to buyer in as described condition. Regardless of your little blurb about NOT being responsible - you were and still are. You don't HAVE to insure everything you sell. You don't HAVE to insure anything at all. Insure higher priced items - things you can't afford to lose the money on if it doesn't arrive or gets damaged in transit. THe new rule just prevents sellers from continuing to mislead buyers by stating that you are not responsible for safe delivery of their purchase unless THEY buy insurance. Insure or don't insure - seller's protection, seller's choice. Buyer is and always has been protected by PayPal.
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the_rules_of_acquisition
Posts: 206
(2 of 47)

Re: New Insurance Policy

Sep 7, 2009 9:54 AM
"The Optional Insurance Description I added - not responsible for lost in shipping $1.50 Insurance - I felt protected me against Buyers saying it was not received and it really was."

Delivery conformation with USPS shipping is what protects the seller from Item Not Received PayPal claims, also Signature Conformation is used with USPS shipments for PayPal payments of $251.00 and higher. This is what protects you from false Item Not Received Claims.

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garmentvarmint
Posts: 11,224
(3 of 47)

Re: New Insurance Policy

Sep 7, 2009 2:04 PM
CAMS...

If your only concern is false claims of non-delivery, insurance was not the most effective way to combat that. Delivery Confirmation is much more effective. AND it is a lot cheaper!
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thingsodd
Posts: 67
(4 of 47)

Re: New Insurance Policy

Sep 12, 2009 12:11 PM
I ship around the world and just shipped to France using Priority Mail Flat Rate, trying to keep rates lower at 12.95 for a 27.00 item, I didn't use a certified (International can't go with a confirmation number) number which would have been an additional 11.00 and now they say it didn't arrive. I have the customs number, receipt and when tracked it states that I checked the parcel in but the buyer wins, I had to refund the money and hope ion good faith, that if it does arrive, the'll pay. There should be a confirmation number to use INTERNATIONALLY that doesn't cost $11.00. What is it .70 cents domestic? I would have even insured the item but YOU CANT on Int'l Small Flat Rate. There's alot of issues that need to be addressed along with the insurance situation.
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*sandeeland*
Posts: 71
(5 of 47)

Re: New Insurance Policy

Sep 12, 2009 5:01 PM
Regardless of your little blurb about NOT being responsible - you were and still are.


Cams -

Try to ignore the little nasties that come on here.

Many Sellers used the phrase in their listings that they would not be responsible for items that were not insured. This originated when we still had a CHOICE of how we would accept payments. Back when we were in control of our own businesses. It was never meant to "mislead" buyers. It was a statement made, true and simple, in order to protect our investment.

When we could accept Money Orders and Cashier's checks, it made good sense to include these terms into our listings.

Once Ebay/PayPal found they could suck a lot more money out of us by telling we could only accept PayPal as a form of payment, THAT is when Seller's began to realize they were being held responsible for something they had no control over.

So it has not ALWAYS been this way. Nor are Sellers trying to "mislead buyers by stating they are not responsible".

It's just not possible. Unfortunately, there are many buyers who are demanding such idiot rules and applauding them as eBay bows to their tantrums. Sellers are leaving in droves and who can blame them?

Not being able to offer insurance is about as ridiculous as assuming all buyers are honest. This is just one more big, ugly pit eBay is digging.
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youputitoutthere
Posts: 28
(6 of 47)

Re: New Insurance Policy

Sep 12, 2009 5:32 PM
every new rule that ebay makes really sticks it to the sellers. How stupid as a form of business not to offer insurance. Then they don't want you to pump up the shipping charges, and of course if you add it to the starting price, they make some on that.
So, does anyone have any suggestions. I always had the option for sellers (which realloy did nto cover me, as ebay says I am responsible to get the item to the buyer (I did not know i am the US Postal servie), but those who did and items got lost or broken were covered.
Any suggestions
Thanks
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rdcomics
Posts: 1,528
(7 of 47)

Re: New Insurance Policy

Sep 12, 2009 8:54 PM
You are incorrect DUKEFAMILYX4. Nowhere on eBay.com's site, not counting upcoming policy changes, is it stated that sellers are responsible up to actual delivery of item. Phone support confirmed this with me (SEPT/11, after an abyssmal long wait on hold) but refused to send me an email confirming the fact. It is eBay's system, when creating a listing and sending invoice, that gives insurance as an option. This is not generated by the seller. Keying in SHIPPING INSURANCE, in HELP assistance brings up 50 hits (as of SEPT/11). You should read some of them. SELLER UPDATE: SEPTEMBER 2009, under sub-topic/policy change, OPTIONAL CHARGES FOR SHIPPING REMOVED, stated that perception and delivery were reasons for policy change. Both are completely false statements by eBay.com, therefore making this a fraudulent policy change. To enforce it will mean bad faith by eBay.com and therefore nullify the upcoming new USER AGREEMENT, effecttive Sept/29 for current users. By the way, the current USER AGREEMENT , for registered users on eBay.com, has been unavailable for viewing since at least mid-August. eBay phone support stated that I had to send mail in a request, at my own expense, to receive a hard copy. Phone and email support refused to state what laws excluded eBay from having it available at all times, being that they are an online business and never stated (since I've been on the system) it is the user's responsibilty to print off a hard copy. I stated, both via email and phone support, that all registered users on eBay.com are no longer bound by any conditions/terms of the agreement. To date, they have never corrected me on this statement. Pass the word. Since then relations have degenerated to a point that eBay.com has refused to answer email enquires (or give asinine responses), blanking out text content on my copy of eBay sent messages, putting an alert on their phone support system to notify them that I am calling (before agent answers phone), and a lot more stuff. Today, what I have suspected for awhile was confirmed, that they are monitoring my activity on the system, via my id. I mistakenly exited off the system, still signed on. When coming back on and clicking on MY EBAY link on eBay home page, it went straight to MY EBAY id home page, WITHOUT ASKING ME FOR MY PASSWORD. If I had not noticed this, anyone would have access to my user id until such time that I signed out. Welcome to the new eBay.com! Rick
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*sandeeland*
Posts: 71
(8 of 47)

Re: New Insurance Policy

Sep 13, 2009 4:51 AM
rdcomics -

Interesting post. But eBay has made SEVERAL policy changes that are quite questionable. We all know that the big boys can pretty much do whatever they want and laws don't seem to apply to the corporate giants. Walmart is an excellent example.

So what's our recourse?
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garmentvarmint
Posts: 11,224
(9 of 47)

Re: New Insurance Policy

Sep 13, 2009 11:10 AM
CAMSCOUNTRY...

Selling internationally has always been risky. There is no way that Ebay can control the Post Offices or the Customs Departments in foreign countries.

It is almost impossible to send anything saftely without spending a lot of extra $$. :O:_|
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bravocom
Posts: 11
(10 of 47)

Re: New Insurance Policy

Sep 14, 2009 6:10 AM
Only on planet eBay. The rest of the world leaves the decision to the buyer and seller when they form a contract. FOB Plant, FOB Delivered, etc are examples of contract items that the buyer and seller negotiate. If the seller doesn’t want to negotiate and the buyer doesn’t like the terms - then he doesn't buy. That's the way the whole world does it - except for eBay. In contract law (except at eBay) the buyer is RESPONSIBLE for understanding and agreeing (or not) to the particulars of the contract. This new policy just opens the gate for buyer fraud, increases costs to sellers and increases cost to the buyers. Everybody looses.
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bravocom
Posts: 11
(11 of 47)

Re: New Insurance Policy

Sep 14, 2009 6:18 AM
Oh, one more thing: With increased cost to the seller and buyer the only winner is eBay. Hummmm, could there be an accountant behind this?
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the_rules_of_acquisition
Posts: 206
(12 of 47)

Re: New Insurance Policy

Sep 15, 2009 11:49 AM
This new policy just opens the gate for buyer fraud, increases costs to sellers and increases cost to the buyers.

Buyer Fraud It's already easy for unscrupulous buyers to make false PayPal claims. The lack of insurance doesn't matter in a PayPal claim. The new insurance policy can benefit the sellers safety as now the seller has full control if a package is insured or not. This is better than leaving it up to the buyer to decide because insurance protects the seller, not the buyer. An example would be, right now a seller sells a $100 item with insurance optional. The buyer doesn't choose insurance. The item is lost or damaged by USPS and the buyer makes a PayPal claim getting back all of their money. Because the buyer didn't choose insurance the seller is out the item and the money. It's better if the seller has full control over the decision to insure packages.

increases costs to sellers and increases cost to the buyersIf insurance is added to the shipping and handling, (same as before) the buyer pays for the insurance fees not the seller. If the seller chooses not to insure packages, the cost is the same as if previously no insurance was offered or buyers choose not to buy optionally insurance. It won't cost the seller anymore that it already does. If sellers choose to insure all packages then it will cost buyers more, but then sellers were always allowed to make insurance required.

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slackergirl23
Posts: 803
(13 of 47)

Re: New Insurance Policy

Sep 15, 2009 3:20 PM
You are incorrect DUKEFAMILYX4. Nowhere on eBay.com's site, not counting upcoming policy changes, is it stated that sellers are responsible up to actual delivery of item.

Ebay only allows electronic payments now. Paypal & credit cards cover the buyer 100% against damage, incorrect items or non delivered items. They don't need to state it because they have blocked all unsecured payment methods already.

So since you must take a secure payment you are in fact 100% responsible now & essentially have been for each & every paypal payment for at least the last 7 years. It doesn't HAVE to be thru ebay because it IS covered thru paypal.

Responsibility has not changed at all, it's been that way for quite some time.
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cinamongirl43
Posts: 4
(14 of 47)

Re: New Insurance Policy

Sep 15, 2009 6:33 PM
How's this one for ya? Weather you insure an item or not, if it arrives damaged the buyer can just file a claim with paypal stating item was not as described. Even though the item pictured was in no way damaged and was described correctly, yet damaged in shipping, paypal will give the buyer his money back. What kind of sense does this make? And now without insurance the seller will always lose! This is just another bad policy on ebays part.
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