Out of over 100 transactions on eBay I've had only one go bad. I won on auction and never received the item. I didn't insure it so I couldn't say/do anything. The thing that got me was the woman said that she sent the package out before receiving payment! That's no way to run a business and she did run a business. Hundreds of sales a week! My question is this: if she had not received payment how did she know if I was going to request and pay for insurance or not?! I like to give people the benefit of the doubt but I really wonder if she sent it out at all. Anyway, that's my only bad experience. I always check feedback before bidding. If there are a large number of negatives I find another seller.