Thee is a come back. If you buy something that isn't as advertised then within 30 days you open a 'not as described' claim with ebay or a faulty claim, whatever the problem is.
Usually a buyer is then able to get their money back, but you do have to be careful you go through ebay. Don't just contact the seller, as if they are scammers, they are not going to give you a trustworthy reply anyway.
As for buying insurance, quite honestly, there are some things just best not bought on ebay. That would include a lot of electronic items or anything where you want an enforceable warranty.
Always check out the seller details-click on their name and see where they are located, check all the feedback before you buy. Personally, I try to purchase from Australian based sellers where possible as it is much easier to arrange a return if that became necessary.
