I recently sold a small transistor radio to a buyer in the US and specifically offered insurance as an option in my Invoice,  with a warning that I could not be held responsible for loss or damage if not chosen; the buyer chose not to pay the insurance amount.   I shipped the item in good faith by Australia Post Airmail and some weeks later received a demand from the buyer through the eBay Resolution Centre for a complete refund as the radio had not been received.  I submitted a statement that because the buyer had not chosen to pay for insurance and hence tracking I should not have been liable to pay a refund.   eBay upheld the buyer's claim, isuued a refund, and then demanded my credit card details to reimburse their amount paid, suspending my account pending receipt of same.  This action left me with a very poor opinion of eBay in their supporting this buyer for a refund;  the buyer could simply have received the radio, did not like it and lodged a claim for a total refund, leaving me totally out of pocket for the cost  of the radio, plus the full refund amount.  It would appear that because I could not provide shipping tracking information, by virtue of the buyer not deciding to pay the offered insurance, eBay found in favour of the buyer!  

This transaction has left me very wary with overseas shipping now, so seller listing item Internationally please take heed.