Excuse me, but how did you arrive at the conclusion that Auctiva is "overcharging" for their insurance? Aren't their rates the same as USPS? How is it a "scam"? If they follow through on claims, that is relevant, and something we need to know. By selling their own insurance Auctiva is generating plenty of revenue and doesn't need to charge a monthly fee. My only problem with it is that my sales aren't showing up in my transaction file in a manner timely enough to allow me to purchase the insurance (that I now require) from them. Because of this auctiva has lost out on at least 30.00 of revenue in the last two weeks, and that's a lot more than I would have to pay another listing service.