items show insurance included w/ship/handling? why

i got caught out with this last week. Apparently you are NOT aloud to say if you pay through paypal you have to pay for insurance. You can ONLY add insurance across the board for all purchases. Ebay pulled my listings for having that in it (also taking the listing fees) in turn i had to relist all items and foot the "bill" again. They are ripping people off with all the BS that they want. They are mainly for the "larger sellers" for high priced items or if you have lots to sell. for the little people like me who sell my 50 items here and there they dont really care.
Have you heard of Oztion? if not please click my signature below and it will take you directly to the site and show all my items. It is FREE to list for up to 3months and there fees are half the price if not less than ebay's and include all your gallery photos for free. Goodluck i at least hope this has helped you. cheers