why ebay won't automatically enforcing adding insurance to all items that has face value above $100?

[rugerskick]

It costs buyers extra.  Most shipping services used by sellers to ship on ebay offer up to $100 insurance included already in the total shipping cost so buyers don't pay anything extra for it.  Most buyers will buy the item 1 penny less than the next one, so $3-4 dollars (or more) for insurance on larger items, they aren't the type to want to pay that much more per item.

[mybigsale]

@beautygooooooogle 

why ebay won't automatically enforcing adding insurance to all items that has face value above $100?

What do you mean by "enforcing adding insurance to all items"?  

Forcing sellers to purchase full coverage insurance for all item with value over $100?

Insurance is for the sellers. eBay already forces sellers to refund buyers in item not received cases and cases where an item is damaged. It is up to the seller to purchase insurance to cover their potential loss. Sellers have the option of purchasing insurance and adjusting pricing to cover the additional cost.

[nobody*s_perfect]

Why do you think eBay should do that?

[chapeau-noir]

eBay is not in the shipping business.

ETA: Insurance is to protect the seller (as said above). In the case of a package delivered but missing, it's up to the buyer to provide a safe place for mail to be left, or to contact their local post office.

[dqdistribution]

in the long run I think it would cost you more money paying for insurance on every package than just losing a few and writing them off.

That's just my opinion though, I haven't done any numbers.

But if you are doing high end, insurance probably worth, and sellers need to calculate that into price.

[richard1rst]

---

@dqdistribution wrote:

in the long run I think it would cost you more money paying for insurance on every package than just losing a few and writing them off.

That's just my opinion though, I haven't done any numbers.

But if you are doing high end, insurance probably worth, and sellers need to calculate that into price.

---

Completely agree and I have run the numbers. I've been here 19 years so I gave a long tailed statistical chart, not just a random few examples.

When I compare the cost to me of paying off any insurance loss out of my own pocket versus the cost of the insurance (and they delays and hoop jumping to get that insurance, assuming it is not denied on some technicality) I am satisfied that "self insurance" is a far better deal.

Either way, the buyer is fully covered so they have no say in the matter.

[downunder-61]

You have already asked this and have been answered here:

https://community.ebay.com/t5/Ask-a-Mentor/eBay-is-really-greedy-their-terms-and-conditions-are-so-h...

@beautygooooooogle 

[dqdistribution]

Such a cute looking little guy.

Thanks for pointing to the duplicate.

[mam98031]

Why does Ebay need to "automatically" add the insurance.  This is something the seller decides.  If you want insurance, you are free to purchase the insurance at the time you create your shipping label.

So this isn't something for Ebay to force upon every seller, it is something for those sellers that want it to purchase it at the time they create the shipping label.  You can do this easily, IDK why you need Ebay to force the issue.

[rooco_7905]

That isn't right.  I purchased a UPS shipping label through Ebay.  I had nothing to do with the address that was put it. UPS changed the delivery zip code and delivered a package to the wrong address, now the buy wants me to send her another book when I had nothing to do with the mistake that UPS made.  We should be able to add insurance automatically to our listings.  Now it look like I will be losing over $350 because the item I sold only had a $6 profit and I didn't want to eat the additional $5 that insurance would have cost me.  This is not a fair policy at all.

[dhbookds]

Better learn NOW to take responsibility for YOUR choices.........

[soh.maryl]

You have sold 3 items on this ID.  On which sale are you losing over $350?

And anyone is free to add insurance at the time of the transaction.  

[bashort]

 Every item already has a 100% ironclad "insurance" policy provided by the seller, how each seller pays the claims on that policy is up to each seller.

Buying shipping insurance is not a good deal. You will save money by just  putting the "insurance" premium in a real or  electronic cookie jar then when you have a loss take it out, no forms to fill out, no buyer participation needed, no claim denials.

I really wish that the USPS would just drop any included insurance, it is almost worthless anyway.

[meme6253]

It's actually up to the seller, If you are concerned about an order getting lost or damaged, then by all means insure it or send it by a service which includes insurance, such as USPS, ground advantage or priority up to $100, you can also add additional if the item exceeds the $100