posted on February 14, 2006 11:02:41 AM new
I posted a thread recently about payment options from England for my non_eBay shop. The buyer had said she did not want to use PayPal. I was happy enough with that since I know the payment would not be protected from charge backs. We had agreed on a check on a US bank and I thought all was settled. Now she writes that she is joining PayPal after all and will use it. Since I thought PayPal was not an option I did not specify it could not be used. The item is $200 which is more than I am comfortable risking.
My questions are these... I am sending it airmail letter post with certificate of mailing. There is no insurance available. If I insure with DSI can I collect if it goes astray? Can I collect if she does a charge back claiming non receipt? Is there anyway to get an estimate on the single incident coverage of $200? On the DSI site I can only see how to get a quote on the bulk service. When I try to fill out the single coverage far enough to get a quote I need the recipient's address which I don't have yet. Am I missing any kind of table that will tell me the approximate cost?
Thanks for any suggestions. -----o----o----o----o----o----o----o----o
“The illiterate of the future will be the person ignorant of the use of the camera as well as of the pen.”
Maholy-Nagy, Vision in Motion, 1947
posted on February 14, 2006 11:26:09 AM new
you can go to U-PIC and get an idea how much it would cost you to insure 200 dollars worth of good,DSI is cheaper than U-PIC.
It may just be a few dollars.
With U-PIC,overseas packages need not be trackable,when you file claim,just fax the form to your buyer and have her signed it and you sign
it and forward to U-PIC.
Having a certificate of delivery and post office receipt would be good when it comes time to file claim.
Oh,U-pic will need your buyer email address.
Your buyer cannot file chargeback and sign the insurance form ,it would be fraud .
The way it works with these private insurers is that if your claim history is bad,they will just refuse to do business with you,it is not like the post office that they must insure every package.
The key here is -if your buyer is an honest person,she would co-operate with you to file claim,if not,she would just file no receipt with Paypal and ignore you when you ask her to sign the form,then you will be out of money and goods.
/ lets all stop whining !! /
[ edited by hwahwa on Feb 14, 2006 11:27 AM ]
posted on February 14, 2006 11:48:52 AM new
Hwahwa, Would I be out the money if she claims non reciept? Wouldn't that be the same as a lost package?
-----o----o----o----o----o----o----o----o
“The illiterate of the future will be the person ignorant of the use of the camera as well as of the pen.”
Maholy-Nagy, Vision in Motion, 1947
posted on February 14, 2006 12:52:57 PM new
Quoted from USPS Postal Bulletin number 22169:
"Indemnity coverage is now provided for all ordinary, uninsured international airmail and economy mail parcel post. This new coverage is provided at no additional charge and protects mailers against loss, damage, or rifling. Coverage is limited to the actual value of the contents or the maximum indemnity based on the weight of the article, whichever is less. The January 2006 edition of PS Form 2976-A, Customs Declaration and Dispatch Note - CP 72, is modified to accommodate this change."
So basically you'll get some coverage plus limited tracking when sending via USPS. You need to purchase additional thru DSI/U-PIC to cover the full amount.
posted on February 14, 2006 01:02:11 PM new
here is another angle to muddle the situation-
if USPS is going to go by the weight of the article or maximum value,per customs form and many of these overseas buyers want you to lie on the customs form,this USPS indemnity would be no use.
YES,IF she pays via Paypal and says she did not get the package (lost or stolen),then Paypal would take the money from your account and let her have it.
Some one could shed more light on this PAYPAL REVERSAL when you ship to unconfirmed overseas addr
/ lets all stop whining !! /
posted on February 14, 2006 01:27:35 PM new
I use DSI and they are about 50 cent per $100 on US but I don't think I have ever used them for international.
I did ask them about paypal charge backs (as in item not as described etc)and DSI said they could not cover me in that case. If it was for item not received - I don't see how they could not cover!
posted on February 14, 2006 01:35:15 PM newIf it was for item not received - I don't see how they could not cover!
I should have mentioned a key part of your auction refund policy should be "We will refund for lost packages on a signed statement from buyer to that effect", or words to that effect.
Basically, you get buyer to sign a document that can be used to prove Mail Fraud should you suspect they have the item, but told you it's "lost in the mail" or "I never got it". Strange but true - items not purchased using PayPal seem to go missing much less often (maybe 1 in 500).
posted on February 14, 2006 02:16:29 PM new
Seems to me "item not received" would be lost in the mail and covered. Am I missing something here?
-----o----o----o----o----o----o----o----o
“The illiterate of the future will be the person ignorant of the use of the camera as well as of the pen.”
Maholy-Nagy, Vision in Motion, 1947
posted on February 14, 2006 03:29:15 PM new
If your buyer said 'item not received' ,it should be the same as 'lost or stolen'.
So insurance carrier should pay for it.
IF he said 'item significantly not as described' and Paypal sides with him and reverse the payment,then insurance cannot help you.
/ lets all stop whining !! /
posted on February 14, 2006 04:00:18 PM new
That does not worry me as much. It is a rather esoteric item and certainly would not appeal to a scammer looking for an item to resell.
-----o----o----o----o----o----o----o----o
“The illiterate of the future will be the person ignorant of the use of the camera as well as of the pen.”
Maholy-Nagy, Vision in Motion, 1947
