I have sold a lot of items on eBay and never required anyone to purchase insurance to get their product. I give them the option to purchase or not purchase it; that is totally up to the buyer. If he wanted you to have it, he should have insurance required stated in the auction. I've never had any problems delivering my items to my buyers nor have any come up missing since I started selling on eBay. Since I use PayPal for eBay payments, I always print my labels online with delivery confirmation, which is included free of charge. I check on the dc once in a while to see if the package has arrived. Depending on how far it has to go, it usually arrives in 2-3 days at the most when I send by Priority. If the dc doesn't show within that time frame, I contact the buyer to see if it has arrived or not. Sometimes the postal workers don't scan the packages and it will not show up as delivered. If he doesn't deliver or send your package, file a complaint with eBay for item not received. If you paid through PayPal, they may require you to file a complaint with them first. Either way, you should be able to get all of your money back. Good luck and hope everything turns out all right for you!