policy is no returns on items. Please read descriptions carefully and email any questions prior to bidding. Shipping insurance is optional. However, I do offer shipping discounts when purchasing more than one of my listings. MY Shipping includes shipping charges and handling fees to cover the cost of packaging, materials, labor, etc... All payments are due within 7 days. If items are not paid, I do report to ebay on the 8th day,Then we are In dispute, Please be sure when bidding to much time is wasted in dispute.