Can I ask the seller if I can pay extra for insurance after I've already payed for the item?

[*sparklz*]

If you have paid then you can ask but they may have sent the item.

But if you paid with paypal then that is your protection.

Any extra would be for the sellers protection not yours.

[tall_bearded]

“If you have paid then you can ask but they may have sent the item.

But if you paid with paypal then that is your protection.

Any extra would be for the sellers protection not yours”.

That is of cause unless the seller covers their back and sends the item by some means which PayPal accepts as proof of postage (Click and Send or a parcel where the seller is supplied with a postcoded receipt) in which case, if the item is lost in transit, you are wholly reliant on PayPal compensating you by way of a discretionary payment, and the indications are, they are becoming more and more reluctant to make such payments. 

Therefore, if you can’t afford to loose it, pay to insure it.

[k1ooo-slr-sales]

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@tall_bearded wrote:

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welcome back TB, it's been a while.  Hoping all is well with you.  How do you like the 'new' boards?

[tall_bearded]

I'm we'll; thanks for asking.  Been busy doing a reno on the house before I sell. Almost done.

As for the boards, new and improved doesn’t always mean  better.

[phorum_junkie*]

Lol TB, have missed our little disagreements, good to see you back

You can pay the seller extra for insurance but if they are trying to rip you off then you are just paying them extra if you add insurance.

if the seller provides proof of posting then it may delay a refund but unless the item shows as actually delivered to your address either by way of the tracking or a signature on delivery it is very easy to get the decision reversed, I have done this twice, once for domestic and once for overseas, the sellers had a tracking number that showed the item had been posted but the \\\\overseas one showed nothing else and the domestic only that it had been delivered to the nearest mail centre. Paypal refunded within 48 hours after I pointed this out and I know from the very nice email I received from the Au seller that they had had to pay the refund.

If the item does show as delivered to your address then it becomes more difficult, you can still win but you may have to go as far as providing a Stat Dec or even reporting it as theft to the police before Paypal will refund you, in that instance it will be Paypal who will foot the bill.

The situation would be exactly the same if you had paid for insurance or not.

[thecatspjs]

PJ I simply don't believe you regarding the domestic paypal decision.  theres more to it than you are saying, or paypal has advised, than that if the seller posted via compliant paypal method.

[dylan11235813]

PJ when you say "decision reversed" do you mean a discretionary payment is made? For paypal seller protection all that is required within their policy is proof of posting, paypal is not an insurance agency and they are not required to refund anything and neither is the seller. There may be other factors but that is the jist of it.

Over and over I hear that registered post is for the sellers protection but it most definately is not. All these payments being made no doubt increases paypal fees also.

[thecatspjs]

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@phorum_junkie* wrote:

If the item does show as delivered to your address then it becomes more difficult, you can still win but you may have to go as far as providing a Stat Dec or even reporting it as theft to the police before Paypal will refund you, in that instance it will be Paypal who will foot the bill.

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Some of the most disappointing comments and misleading advice, I have seen from you yet PJ. 

Your comments are misguided and IMO seem to serve no purpose other than to create unwarranted concern regarding seller protection.

If a parcel shows as delivered and seller has provided required addressee and post proof to paypal, the agency you should be dealing with in the first instance is Australia Post.

[lyndal1838]

PJ is correct though.

I had a parcel from the UK go missing at the end of last year.  It was a substantial amount of money so it was sent International Signed For and insured for the full amount.  It was scanned as delivered here in 5 days which was a bit unrealistic....it was supposedly delivered on the Saturday before Christmas and all my UK mail at that time was taking 10 days to 3 weeks.

Both the seller and I searched for it every way we knew and finally I opened a dispute, believing that we were both covered by paypal.  I won the dispute and got my money back, but it came from the seller despite her having all the proof of posting and insurance.  Australia Post told her that they had a signature from the addressee...but they refused to show it to me even though it was supposedly my signature.