Shipping insurance

L

Leavenworth

CGN frequent flyer
Rating - 100%
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Location
Lowermainland B.C.
I see quite often on the EE and elsewhere it says $100.00 insurance included what exactly does that mean ?
The firearm goes missing and you collect $100.00 ?
Would you not want insurance on the total value of the item purchased ?
Thank You
 
$100 is the amount assigned to each package automatically when shipping expedited.
In my opinion its up to the buyer if they wantvto insure the package for full value.

However it seems Canad Post is notorious for not paying damage claims.

I've never bought insurance in hundreds of deals.
 
To clarify - as per the Post Mistress at local Post Office - someone receiving a parcel CAN NOT get insurance coverage for it - Canada Post Insurance is only available to the person that SENT the parcel, not the person that receives it. In Canada, generally, you can not buy insurance on someone else's stuff - in Canada Post's view, the contents of the parcel belongs to the SENDER, (does not matter who paid whom or who did not pay), until they deliver it to the Addressee. Of course, upon "delivery" the insurance coverage stops. As per Canada Post, what is in the parcel no longer belongs to the SENDER, once the Addressee accepts it. Since that discussion with the Post Mistress - which started with me wanted to get insurance on something being sent to me - and she said that was NOT POSSIBLE through their system, I have not paid for Insurance since then - since what I pay to a SENDER is for the premium of the Insurance coverage, which covers THEIR GOODS - not my goods. When I sell something with shipping included, the parcel receiver will never know if I did insure that parcel or not - the Receiver NEVER receives anything from Canada Post - whether the thing is insured or not.
 
Potashminer said:
To clarify - as per the Post Mistress at local Post Office - someone receiving a parcel CAN NOT get insurance coverage for it - Canada Post Insurance is only available to the person that SENT the parcel, not the person that receives it. In Canada, generally, you can not buy insurance on someone else's stuff - in Canada Post's view, the contents of the parcel belongs to the SENDER, (does not matter who paid whom or who did not pay), until they deliver it to the Addressee. Of course, upon "delivery" the insurance coverage stops. As per Canada Post, what is in the parcel no longer belongs to the SENDER, once the Addressee accepts it. Since that discussion with the Post Mistress - which started with me wanted to get insurance on something being sent to me - and she said that was NOT POSSIBLE through their system, I have not paid for Insurance since then - since what I pay to a SENDER is for the premium of the Insurance coverage, which covers THEIR GOODS - not my goods. When I sell something with shipping included, the parcel receiver will never know if I did insure that parcel or not - the Receiver NEVER receives anything from Canada Post - whether the thing is insured or not.
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I can second this based on bad first hand experience.

Years ago I bought a gun (derya 12ga AR style) with insurance from guy with low trader rating (my mistake)..
Gun arrived with a bit torn open packaging and the zipper of the case a bit open. Turns out the receiver was missing.

After a very long battle canada post finally issued a cheque to the seller that he cashed and then ghosted me...

Solution to this is:
As the buyer you book the shipment based on info from seller (size, weight, etc.), with your own address as destination and then the seller only needs to drop off the parcel at his post office. You can book this with snapship online.
If there is a claim paid out you will get it at least.
 
No disagreement with what has already been stated.
The seller is saying that if the parcel is lost then he will pursue the case with Canada Post, get the $100 insured amount if successful, then reimburse you $100 for your lost item. If you want insurance on full value then you tell the seller that you will pay for the upgrade and then should CP lose it and if he is successful getting reimbursed then he will pass on the insurance payout to you. Unless he is dishonest as in Bertn's example.
Canada Post will only insure against loss, not damage from transit. The local postal clerk told me I might have a case to be compensated if there are tire tracks on the parcel but that's about it except for loss. Pretty good deal for Canada Post. Like FCD and Skwerl I 'self-insure' my purchases which means the seller must pack it very well and trigger-locked with no insurance and then whatever money I save offsets future losses. For high value items I might ship the vendor a hard case to ship back to me or have had e.g. Cabelas drop-ship one to the seller to pack the gun up. I figure that if I tell CP the lost parcel is a gun then they might go out of their way to find it. If they were to break it then insurance wouldn't help anyway.
There's quite a divide between those that expect the shipper to be responsible for problems and shippers that say once it's in the mail it's yours. Clarify those expectations and responsibilities when the deal is made.
 
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So sale of goods laws in Canada are as fallows

-The seller is responsible for the product till delivery
-Delivery to an authorized agent is considered defacto delivery to the buyer.

Layman terms

The seller agrees to ship the item to you:

1)Seller crashes his car on the way to Canada post and failed to deliver it to an authorized agent... hes liable for damage to your shiny new ### you bought from him.
2) Seller makes delivery to an authorized agent : that's a postal carrier, bailiff, person or business you specified... then the authorized agent destroys or looses your item... that's on you the buyer... delivery in the eyes of the law was made. The seller is not responsible for refund or replacement.

Remember, The seller isn't shipping to you... the seller is shipping on your behalf. you have asked the seller to ship because you cannot pick it up in person. The seller can just tell you to beat it and either pick it up or arrange your own transport of Your Goods. However if The seller has agreed to arranging transport on your behalf... they are only required to insure it if you payed for insurance or negotiated included insurance.

The seller is not obligated to refund your money if the authorized agent fails to deliver... If they agreed to act as your agent and ship the item, they are however obligated to file a claim collect the insurance (if applicable )and give you TO THE PENNY the insurance claim paid out.
It doesn't matter if the claim was worth more or less then the purchase price that's what you the buyer are entailed to get. its your insurance... not theirs.


there are safeguards.such as:
if the seller fails to take reasonable precautions in choosing shipping method (there are clauses about shipping over open water for example),
fails to fallow directions given by the buyer,
or fails to meet the shipping standard of the carrier resulting in loss.

If one or more of these things ha occurred then the defacto delivered status reverts back to "undelivered" and the seller is on the hook.

For example if the seller ships your rifle in a cardboard box.. and CP says "lockable non opaque container" is required.. it gets busted up and they refuse to pay insurance, because a cardboard box is not a lockable case...... the seller is now on the hook for failing to meet the shipping standard of the authorized agent and is liable for the loss.
Or
You asked for and payed for insurance.. and the seller decided to pocket the money . then the Authorized agent runs over your riffle and refuses to pay restitution as no insurance was purchased... The seller would be on the hook as they failed to arrange shipping as per the buyers instructions.
its on you the buyer to prove this however.


What a lot of companies do with damaged goods offering returns and refunds is not required by law. Especially in private sales.


As some have mentioned.. CP small business accounts let you purchase shipping for returns or from an address to your listed "business" I have sent prepaid labels to sellers in the past so the buyer doesn't have to arrange the shipping on my behalf ... I get the package size and weight, I make the label and email it to them. they attach the label and drop it off, completely in my hands for dealing with CP
 
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