Sorry if I should know this answer but I have not been here in a while. As far as I knew Auctiva used to be free because they were funded by the profits from insurance sales. Has eBay already eliminated them because I have not seen any Auctiva checkouts in a long time? If not how will this new change affect us as sellers. I want to be loyal to Auctiva but every time there is a fee increase it comes out of my pocket. I know this is one way ebay can squeeze out it's competition. It has little to do with customer expectation of shipping insurance.