I used Auctiva insurance when I sold on eBay (which is over 2 years ago, now). Anyhow, I did have 1 claim and it was handled quick and painless. Plus the customer didn't have to do anything other than to tell me what the damage was. I refunded the customer and I was reimbursed quickly. It is so unlike USPS. Granted that was probably 3 years ago, but thought I'd let you know anyhow.