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In Reply to: E-bay and insurance of items, or yet another way to bone the buyer! posted by Michael N~ on May 16, 2007 at 21:57:23:
You paid for insurance right? You got the item so what's the problem. We've got to assume if the item was lost or damaged the seller would have taken care of you. You paid for piece of mind - don't see any reason for you to file a claim against the seller.Which is kind of funny as IMO the seller should do that whether or not the buyer pays for insurance or not. Sellers should be prepared to eat the whole cost if they are not buying insurance because the buyer should expect to recieve the item and recieve it as described. I don't think any buyer should buy from sellers who don't guarantee items to arrive and arrive in the condition described or offer insurance against loss as well guarantee proper secure packaging.
If the seller wants the buyer to pay for insurance that's just a detail of the transaction.
Give me rhythm or give me death!
Follow Ups:
No, the buyer paid for insurance, which he DID not get.That, in effect, means that the seller ripped him off on shipping.
Whether the item arrived damaged or not or necessitated an insurance claim is IRRELEVANT.
The seller took the buyer's money, but did NOT provide the service promised. Period.
And given his dishonesty, I would not be surprised if he DIDN'T underwrite the item had it been damaged.
There's no loss whatsoever to the buyer. I have to assume the seller took the money and assumed the risk himself.What troubles me with insurance is that I believe it's the sellers risk in the first place. But a seller can charge whatever he wants for insurance and require the buyer to pay - if they buyer doesn't want to pay he should buy elsewhere. I can't imagine any buyer buying anything of value unless it's guaranteed to arrive and arrive as described. I wouldn't buy anything from a seller who denies this responsibility from the outset - however I might consider paying "insurance" to guarantee it.
Why would it matter to a buyer who is "insuring" the delivery - all that matters is the guarantee and the guarantee being honored.
Give me rhythm or give me death!
"The seller took the buyer's money, but did NOT provide the service promised. Period"Pretty damn simple isn't it!
The OP should have published the deadbeat seller's eBay memeber Id as a service so that others can avoid.
No Guru, No Method, No Teacher
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were the buyer to opt out of (paying for) insurance I guess we could say he (buyer) is underwriting the risk (of shipping damage) himself.This doesn't appear to be the case here, in fact if the facts are straight then what we have here is simple petty theft!
thus taking on the risk of the item arriving in good condition. I would not consider a transaction complete until I had received the item in the condition it was described as.Regards,
is steer clear of eBay, AudiogoN, etc., because I'm afraid you'd be immensely dissatisfied with the common practices for the vast majority of transactions, e.g. buyer pays *then* seller ships, seller assumes no responsible for lost in transit, etc.It's a *Buyer Beware* market, and the prudent buyer will insist upon shipping insurance. Moreover bear in mind that there are no guarantees, for example if the shipping agent determines damage due to incompetence packaging a insurance claim may be denied and the buyer will have little recourse but attempt compensation from the (likely derelict) seller.
Every purchase I make over say $20 or so is guaranteed to arrive and to arrive in the condition described. The seller must at a minimum guarantee adequete packaging to support an insurance claim if the item is damaged, must allow me to purchase insurance for loss, and guarantee me that the item will work as described.If not I will not bid. I buy plenty of stuff on eBay and on Audiogon.
I've had some issues but since everyone's responsibility was clearly defined and understood at the outset there was never any real problems. This is not to say I've been able to reach a clear understanding at the outset on every item I wanted to buy - in general every seller who understood has agreed. However some sellers are incapable of understanding or pretend to be and I just avoid them. And talking to others around here I believe some sellers just would not agree to my conditions - though I've not run across one of them yet.
Gonna trade Negatives for the $$$ to insure a $20.00 purchase?
I've completed over 150 transactions on ebay, and only one time did I have an issue (and it wasn't a big deal in the end). I must be living right.
I did just receive a batch of LPs from Mosaic that I thought were poorly packaged (even were it a private sale the packing would rate as a poor job) but they survived so I guess I'm just damn lucky as well!
No Guru, No Method, No Teacher
Agree 100% and I am dissatisfied with the "typcial" structure of transactions. I also agree that "prudent buyers" should insist on insurance. I just don't think they should represent themselves as the purchaser of the insurance even if this adds cost to the item. Seller purchased insurance, then if push comes to shove a good faith contractual obligation can be demonstrated on the seller to deliver the item in good condition. Also seller responsible for filling claim as his insuring his item delivered whole.Of course this doesn't even begin to address a host of scams of selling broken items and then scamming the insurance. Best, bet use the feedback options, as limiting as they are, to try and make the best informed decision on which buyers to use.
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that is make sense .
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