I have a suggestion for a new feature. For Auctiva shipping insurance, I charge buyers $0.80 instead of the full $1.30, and I (as the seller) will absorb the rest of the insurance cost myself. Even if a buyer decides not to get shipping insurance, I will still always pay for USPS Delivery Confirmation as the minimum protection for myself. USPS Delivery Confirmation costs me $0.50, and I include that into my standard shipping & handling cost. If a buyer gets insurance, then I won't need Delivery Confirmation. I'll just put that $0.50 saving back into the insurance cost. I believe charging $0.80 (that's less than a dollar) instead of a full $1.30 will entice more buyers to get insurance from Auctiva.
However, I don't think I can change the insurance fee in the Auctiva integrated checkout statement. (Can I do that?) You really should allow sellers to change the insurance fee. Some sellers want to split the insurance costs with the buyers, and we will pay for a portion of the insurance cost to Auctiva ourselves.