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I was confused about activa insuance also. From Activa's site here, at the top of any page click my account. Right below my account on the green bar click checkout settings. From here you can disable activa's insurance, or disable activa's checkout altogether. Then the costomer gets the paypal or ebay checkout.

When listing items with the Activa insuance disabled, you can still choose "insuance optional or required". It will list as normal and if they choose insuance in checkout, you purchase it with paypal or the post office. You wont get the discount but I think its less confusing and less of a hassle for me anyway.
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