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2 (prolly really stupid) Insurance Questions

I just noticed in my "Account Overview" under "transactions"--there's a link to "purchase insurance". Was that always there? I can't use Auctiva checkout b/c I can't combine invoices...so can I use eBay checkout, then purchase insurance thru Auctiva like that?? If so, that's WONDERFUL!!
And, even if my customer doesn't buy insurance, can I still purchase it at the discounted rate (and just lose the 25 cent bonus)?
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