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Here is the PayPal "users agreement":
https://www.paypal.com/us/cgi-bin/webscr?cmd=p/gen/ua/policy_pbp#pbp-policy
Pay particular attention to:
"13. Disputes between Buyers and Sellers - Buyer Protection Programs..... 1. .... 13.1 Buyer Protection Programs. If you buy an item using PayPal and either do not receive the item or receive an item that you believe is Significantly Not as Described by the seller, we encourage you to open a Dispute with the seller in our Resolution Center. By doing so, you will initiate our Online Dispute Resolution Process—a step-by-step system designed to facilitate communication between you and the seller in order to get resolution of the issue. If your dialogue with the seller fails to produce a satisfactory result, you can then escalate the Dispute into a Claim that we will evaluate for reimbursement under one of the following programs: ... ......"
"13.11 Significantly Not As Described. To the extent that we provide reimbursement for losses for items that are Significantly Not as Described when received by the buyer (which we may do under all programs except the Buyer Complaint Policy), an item is Significantly Not as Described if the seller clearly misrepresented the details of the item in a way that affects its value or usability. This does not include cases where the buyer is merely disappointed with the item or where the item did not meet the buyer's expectations. Here are some of the reasons that an item may be considered Significantly Not as Described: .........."
Robert
P.S. Among friends, if we agreed that insurance was optional, I certainly would take the loss (as buyer, for example) if I declined to pay for insurance and the package was lost.
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