THIS IS EBAY POLICY VEBATIM! I HAVE TRIED REPEATEDLY TO EXPLAIN SHIPPING BUT IT WILL NOT LET ME AND THIS IS WHAT COMES UP....

THEREFORE...MY SHIPPER DOES THIS ..."What you can do:

• You can still insure items by including the cost of insurance in the item's price or in your handling cost.

• You can say "The item is insured" or "Handling cost includes insurance" in your listing description.

BASED ON ESTIMATED VALUE OF ITEM.

Since optional or required shipping insurance is no longer allowed on eBay (see more info): 

• You can't charge buyers a separate fee for insurance, either in a listing or after they've committed to purchasing your item fold the cost of insurance into your item price or handling fee.

•  You can't indicate insurance is only offered upon the buyer's request.

• You can't say that you're not responsible for the item once it has shipped.

• You can still insure items by including the cost of insurance in the item's price or in your handling cost.

• You can say "The item is insured" or "Handling cost includes insurance" in your listing description.