If the buyer purchases item A and item B separately, and you put them both in the one trackable shipment, you will only be covered for item A. In an INR case for items A and B, eBay will ask you to provide tracking for each of the items and you only have one tracking number for item A, so you'd lose.

It's silly, but that's how it works. In eBay's eyes, separate payment = separate transaction = separate tracking number.

Feel free to disregard this information though, I've only been selling and buying on eBay since 1998, but I obviously have something to hide/no idea because this isn't my primary selling ID.