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Auctiva Insurance Question

Hi, I am a total newbie to Auctiva, and in my last batch of listings I required insurance on all purchases. When the invoice would go out, Auctiva would add $1.40 to every invoice. I then refunded that amount back to my customers, because the shipping already had the insurance added to it. Then when I went to the Post Office, I "bought" USPS insurance. Duh... It wasn't until I got a bill from Auctiva that I started to realize maybe I should read how Auctiva Insurance works. So, I paid the money to Auctiva...
After reading more info on Auctiva's site, I realize that I should not have bought USPS insurance. I don't know how to take care of the insurance on the Auctiva site, I think that by requiring it, it is adding the extra $1.40, but shouldn't that be $1.70 or $1.65? Is there any way to get around Auctiva charging the customer twice? I am so confused, and am only offering insurance, and hoping nobody chooses it, until after I figure this out.
Any and all help with this would be greatly appreciated.

Saraphina
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