Hi,
My one claim experience with Auctiva insurance through U-pic has been very positive.
An item that I sent Priority Mail, with Auctiva / U-pic insurance, was badly damaged by the USPS. My buyer was an experienced ebaYer herself, and we put the claim together, with her statement and photos, very quickly, and I faxed it in to U-pic.
U-pic allowed the claim in full -- 100% of the item value, plus the shipping costs paid by the buyer -- within 12 calendar days, 3 days prior to their stated expected processing period. I monitored the claim processing at U-pic periodically online, and kept my buyer posted.
U-pic says their check has been mailed, and, as soon as I receive it, I will pay my buyer the full amount, as I am taking this step by step on this, my first claim.
So, they've done a nice job thus far.
Best,