Hi vintagelady,
1) Auctiva checkout is a default setting on your account which can be enable/disabled at Auctiva -> My Account(tab) -> Checkout Settings. The main benefit of Auctiva checkout is that, if you have a merchant account with an Authorize.net gateway, you can accept payment directly to your merchant account through Auctiva checkout. The main disadvantage to using Auctiva checkout is that we're currently unable to accomodate combined invoices.
2) ...and here's a description of Auctiva's revenue sharing shipping insurance plan:
If you use Auctiva Checkout and have Auctiva Shipping Insurance enabled, which are default settings for your account, your customers will have the option of buying insurance for the prices indicated at Auctiva -> My Account -> Auctiva Shipping Insurance Settings -> Rates and Details, which are virtually the same rates as USPS, and also cover international shipments to most countries. Of each $1.30 you receive, we would bill you $1.05 and the insurance would be purchased by Auctiva on your behalf. This revenue sharing insurance plan leaves you with a profit of at least 25 cents every time a customer purchases insurance through one of your auctions, while the rate charged to the customer is no more than USPS would charge. Auctiva Shipping Insurance policies are honored by U-Pic and complete claim forms and filing instructions can be found at
http://www.U-Pic.com .
Your Auctiva Shipping Insurance balance will be dispalyed at Auctiva -> My Account(tab) -> Auctiva Shipping Insurance Settings, and you can add funds to your account from that page as well. It is best to deposit some money in your shipping insurance account ahead of time so when insurance is purchased by one of your customers, the insurance charge will be deducted from your balance. We allow your outstanding insurance balance to go to - $5, at which point it becomes disabled, and it can be reenabled by depositing funds into your account.
If you're not using Auctiva checkout and would still like to use Auctiva Shipping Insurance, policies can be purchased after the sale by clicking the "Purchase Insurance" link next to the item on your Sales(tab) -> Transactions page.
I hope this helps=) Welcome.
-Mike