about the insurance, I don't know.

About using Auctiva === It is one of the best I've used. However, you must read! a lot of sellers complain about buyers not reading the TOS. It is the same here, users are not reading properly and don't proceed with the correct steps.
If you've problems accessing auctiva, it is moren' likely something to do with your computer and ISP, not auctiva.
Make sure that you 'keep me signed in' at all times! saves headaches.
ALWAYS upload your pictures BEFORE you start a lising.
any other ??, you can always come to the boards.