well if buyer insist on using non-insured postage, how would a seller be responsible should the shipment got lost during post? i'm not familiar with UK distance selling law but does it state no matter under what condition that if an item did not arrive, it's seller's liability, and even if there's black & white proof stating buyer opt-out for insurance and agreement has been made?
even if item did arrive if the item was sent via non-recorded/signed/tracking for the buyer can still claim that item did not arrive.
that is why i always specify at least registered signed for, unless seller provides free shipping then i'd give seller the full responsibility should item got lost.
Basically under UK Distance Selling law, it is the Seller''s responsibility to ensure the item reaches the customer and that it is undamaged on arrival. This is why in the event of damage to a parcel in transit, the legal contract for UK insurance purposes, is between the courier and the Seller,
not the Buyer. Do not let Sellers try to tell you otherwise.
A lot of the UK Distance Selling law was originally formulated to protect consumers from unscrupulous scamming by Sellers, in the days of Mail Order catalogues and Newspaper ads.
In fact most Consumer law has resulted from unscrupulous Selling.. that is why the playing field is tilted in favor of the Consumer.. while there certainly are unscrupulous, scamming Buyers, they have tended to be in the minority.. Sellers should look on the costs of doing business as exactly that, the cost of doing business.. and I say that as a Buyer and (less frequently) a Seller.
If you cannot make a profit from a business model or it leaves you open to scammers, then you need to amend the business model.. or accept that your Selling is recouping some of your collecting costs but not expected to turn a profit.. either way, you should protect your goods with insurance and tracking, if they are of a value you do not wish to gamble.. lets face it, regardless of the integrity of your Buyer, Courier companies can be less than diligent / gentle in their handling of parcels.
Its probably worth re-posting this link advising on how to protect yourself from unscrupulous Buyers, that has been posted before on the forum -
https://community.ebay.com/t5/The-Front-Porch/SCAMS-committed-by-eBay-buyers/td-p/2662626