ebabestreasures
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posted on August 26, 2009 07:10:52 AM
I am bulk editing my listing to comply with the upcoming changes.
I am changing insurance to 'not offered' but I still have statements about insurance in my TOS.
I am thinking of added the following to my description via bulk editing:
"Insurance will be purchased at seller's expense for any item over $50"
I will still have something in all my listing about insurance and I guess I will need to edit them one by one but I hope this will buy me more time.
Does anyone know if ebay will pull any listing that mentions insurance?
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merrie
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posted on August 26, 2009 07:27:07 AM
I read somewhere that they will pull anything that mentions insurance just like they did with cash and money order wording.
I am just going to incorporate it into my S/H if I think it is necessary.
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neglus
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posted on August 26, 2009 07:45:51 AM
I have a buyer who wants insurance on a less than $25 purchase. I told her that I would reimburse her if the item is lost in the mail but she has had trouble with her PO and feels that the "insured" stamp on the package will deter the sticky fingers. If I insure a purchase it costs me more in terms of packaging because my normal shipping is done first class mail which does not qualify for insurance. Am I obligated to get insurance for her? I do not even offer the option.
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http://stores.ebay.com/Moody-Mommys-Marvelous-Postcards?refid=store
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LtRay
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posted on August 26, 2009 09:02:56 AM
Neglus, I am not sure if you are obligated to provide insurance but it sounds like you might want to do it just to keep her from claiming the item was damaged.
You could print the label from PayPal with insurance and not have to make a special post office run.Of course, I would charge her for the insurance before I processed the order.
I can imagine the complaints we will start seeing once ebay takes away our insurance option. Some buyers will not understand that the seller is not required to insure the package and will probably complain that their package was not marked insured.
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amber
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posted on August 26, 2009 10:04:51 AM
neglus, can you not just increase the shipping by the amount of insurance? That is what I was thinking of doing.
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sthoemke
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posted on August 26, 2009 12:04:03 PM
Don't mention insurance. ebay will now hold you liable even if under $50 (statement implies buyer needs to pay insurance if under $50). I think it is OK to just send delivery conformation, without insurance. (of course won't protect against damage claims)
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ebabestreasures
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posted on August 26, 2009 12:23:26 PM
I see your point - I wasn't looking at it that way. But I sure don't want to pay to insure a $15.00 item.
I think I'm going to edit every one of my listing one by one and take all my TOS out.
What good are they anyway - ebay sets the rules not the seller.
Neglus - I don't think ebay can stop you from letting your buyer purchase insurance. If it's at your buyer request, why should you have to pay for it if you don't offer it.
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kozersky
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posted on August 26, 2009 12:28:41 PM
Seller cannot state the usual disclaimer that buyer is responsible for insurance, or openly collect extra for insurance.
However, the seller can include the cost of insurance into the s/h for the item.
Further, the s/h stated in the item description cannot be increased after the sale. In other words, insurance must be included in s/h when the item is listed. Insurance cannot be added to the s/h after item has been sold.
For example, I have insured all my items with U-PIC for many years. The cost per item under $50 is only 40 cents domestic, and $1.10 global. I have always included this within the s/h fees.
The following statement has and will continue to be included in all our item descriptions and customer email -
"Insurance is included in the shipping price of this item. PLEASE NOTE: We use a private insurance company; U-PIC, for all insured shipments. This allows us to keep our shipping/insurance rates down and handle claims in a timely manner. Your package will not be labeled insured, but you can be certain your order has been insured to protect against loss or damage."
Bill K-
"Always on the lookout for 'like new' ebay items"
William J Kozersky Stamp Co.
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ebabestreasures
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posted on August 26, 2009 12:33:30 PM
Bill - aren't you afraid that your listings won't renew if the word insurance is there at all?
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alldings
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posted on August 26, 2009 12:53:14 PM
What I have been doing for years is adding 2-3 bucks to my opening bid or BIN price to cover insurance on everything I sell. If the item has a value of 30 bucks & up I buy insurance. Anything under 30 the money goes into a bucket in case something gets lost or damaged.
I'm small taters as a seller but in the roughly 1000 sales I have made none have been lost, damaged, or returned. I have enough cash in my insurance bucket to pay off several claims or buy something I don't really need. Wanna see a photo of my new laptop?
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rutabaga
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posted on August 26, 2009 10:11:05 PM
Neglus --
I'm in the same boat -- only $20 or less flat paper items -- and already decided I will not be insuring any of them. It's not worth throwing things off with separate packaging, handling, payment procedures, etc. For any of the small number that might get lost I'll happily refund, buyer's word. Hopefully I can set up FAQs so I can avoid email conversations about "special" shipping instructions.
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ebabestreasures
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posted on August 31, 2009 10:42:54 AM
I've been on the phone with ebay for 45 minutes and I can't get a straight answer. The CS lady obviously has a degree in double talk. A simple yes or no will do.
She seems to be saying that we need to edit our listing to take out the insurance option (required or optional) but if insurance is mention in our TOS that's OK. But then again she seemed to be saying that if we wanted to charge the buyer insurance that was OK too. It would be between the buyer and seller. WHAT!!! I don't think she has a clue. She had to put me on hold 3 times. If CS representatives don't understand the new rules, how are we expected to?
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LtRay
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posted on August 31, 2009 12:08:37 PM
As I understand it, you can add the cost of insurance to your handling charge when listing the item but you cannot charge the customer a separate insurance fee during checkout.
The seller is not required to purchase insurance on an order but if an item is damaged during shipment, the seller will have to replace it or return the payment.
Personally, I do not intend to make statements about insurance in my listing or my TOS. If you say that you are providing insurance, it may bring the scammers and swappers out of the woodwork but maybe I am just a little too pessimistic about the whole thing.
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ebabestreasures
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posted on August 31, 2009 12:39:32 PM
My problem is that insurance is already mentioned in my TOS on 3 different ID's - 150 listing so I really don't want to edit them all. I'm going to close my store on my 3rd ID as I don't have any sales to speak of anyway, but that will still leave about 120 listings.
I may try to call ebay again and see if I can get a CS person with a brain. Don't see that happening but who knows.
If the listing just won't renew - that's fine. I'll edit them as they fail to renew but I can just see getting 120 listing violation in one day.
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