Hi rosepetal,
Welcome! you actually do not need to adjust any settings within your eBay preferences to utilize the features you have mentioned in this post.
1) When you are creating your listings through Auctiva's "New Listing" page, instead of only being allowed one free picture, you can place 16 or even more images in each listing without being assessed any of the additional image fees by eBay.
2) To use Auctiva Shipping Insurance, just indicate whether you would like insurance to be required, not offered, optional, or included in S&H and, in the event that insurance need be purchased for an item, you can do so by clicking the "Transactions" link under the "Sales" tab within your account, and then clicking the "Add Insurance" link next to the appropriate item.
When Auctiva Shipping Insurance has been purchased for an item, you do NOT need to purchase additional insurance through USPS or Paypal when shipping your item.
I hope this information proves useful. If you would like further assistance from our support staff, please file a support request using the appropriate link on our "Help" page:
http://www.auctiva.com/free_auction_software_help/help.aspx-Mike