Re: posting insurance -- how does it work ?
- From: "Anny Middon" <AnnyMiddon@xxxxxxxxxxxxxxxxx>
- Date: Mon, 07 May 2007 13:59:30 GMT
"Alex Clayton" <alexx1400@xxxxxxxxx> wrote in message
news:v7KdnYJ7LrYwwabbnZ2dnUVZ_s2vnZ2d@xxxxxxxxxxxxxxx
"Anny Middon" <AnnyMiddon@xxxxxxxxxxxxxxxxx> wrote in message
news:X1H_h.2512$RX.406@xxxxxxxxxxxxxxxxxxxxxxxxxxxxx
According to Ebay:
"Insurance: Sellers offering insurance may only charge the actual fee for
insurance. No additional amount may be added, such as "self-insurance".
Sellers who do not use a licensed 3rd party insurance company may not
require buyers to purchase insurance. This is a violation of state law."
Based on this, I would think you have the right to ask who the 3rd party
insurer is, so you can verify the amount quoted is the actual fee. If it
isn't, or there is no 3rd party insurer, report the seller to Ebay for
violating Ebay policy.
Anny
Many sellers will use "insurance" and "shipping" to make money.
Ebay rules allow sellers to use *shipping* to make money, so long as the
amount that is for "handling" is reasonable. Here's what the Ebay site
says:
"Sellers may charge reasonable shipping and handling fees to cover the costs
for mailing, packaging, and handling the items they are selling. While eBay
will not prescribe exactly what a seller may or may not charge, eBay will
rely on member reports and its own discretion to determine whether or not a
seller's shipping, handling, packaging, and/or insurance charges are
excessive. Shipping and handling fees may not be listed as a percentage of
the final sale price."
Sellers CANNOT charge more for insurance than they actually pay. In other
words, they can't use "insurance" to make money. Charges for insurance have
to be from third-party insurance companies -- sellers cannot self-insure and
charge buyers for it.
If it costs them $2.00 to ship, and they charge $6.00 it makes them more
money. Many people get all in a bunch over this. If it makes you "feel"
better, then by all means scour listings looking to report them all. I
have better things to do with my time. If I want a wigit, and it runs
around $20.00 I start looking. As long as all the shipping is clear I just
figure the cost to my door. I really don't care how they (seller) break it
down. I pay the safe way, so I will either get what I paid for, or all my
money back. As long as you can pay with a CC, you are going to be fine.
The last few times I have had to resort to a chargeback was with big
companies, not Ebay sellers. They refused to work with me so I called the
bank, and wham bam, my money was returned to me. If someone on Ebay will
not let you pay with a CC, then you would have reason to be VERY wary.
If a buyer doesn't figure out the total cost of the item including shipping,
handling and insurance and base the bid on that number, the buyer deserves
to get taken.
I never bid on anything unless I know what the shipping/etc. charges will
be. Sellers who don't include this information in the listing deserve to
get no bids on the item.
Anny
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