I nearly always choose to self-insure when I purchase. In 13 years of
ebay trading, two items have gone astray. One, a $AUD1,000 postage due sold to Canada never arrived, thaksfully this was insured and a claim was made but I am sure if the contents of the envelope had not been identified on the outside of the envelope, there wouldn't have been a problem. The other was an envelope torn in half in the Royal Mail postal system, my £50 purchase was lost.
I'm sure you would have been more accommodating if the requst had been more polite.
Use
www.goofbay.com to check the bona fides of
www.ebay.com/b/260/" rel="nofollow">ebay participants.