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Auctiva Insurance & Checkout

This is going to be a little hard to explain but I hope you understand my question. I use eBay checkout but had Auctiva Insurance enabled to automatically purchase the Auctiva insurance when requested or required. I was considering switching over to use Auctiva checkout but when poking around to see how it worked, noticed that the insurance costs and invoice totals didn't match with the eBay invoice. For example, a $19.99 item that the customer requested insurance on was charged at eBay 1.70 for the insurance which is correct, but when I look at the Auctiva invoice, it says it charged the customer $2.65. Also on a higher end item, the insurance cost on the eBay invoice was correct at $4.60 but on the Auctiva invoice it puts the cost to the buyer at $7.45. On the insurance activity page, it shows that I am being charged correctly according to Auctiva's price chart, but I don't know if my customers will be charged correctly if I switch over to Auctiva checkout. I don't want to switch to Auctiva checkout until I know exactly what my customers will be charged. I surely don't want them being overcharged for insurance or having to refund dozens of Paypal payments. Please advise, thanks.
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