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inkFrog Shipping Insurance FAQ

Jump to:   How it works - Cost - Coverage Details - Conditions/Exclusions - Claims
Also make sure you read the terms and exclusions for the insurance.

How It Works


Cost


Coverage Details


Conditions & Exclusions


Claims



Answers



Q.) Why should I use inkFrog to buy insurance and what are the benefits?

A.) To protect against any lost or damaged packages, all sold items should be insured when shipped. Shipping problems do arise. You, as the seller, need to be sure you are protected. Using inkFrog allows you to get great shipping insurance coverage while using our buying power to get you a huge discount on the coverage. Another great benefit of using inkFrog for insurance is it saves you time. You can add insurance to your eBay items, in bulk, without going to the Post Office or without having to provide any external reports. Your packages will be covered without any outside indication of coverage, leading to a decreased chance of loss. You can also file claims directly from your sold items in inkFrog. In short, it's quicker, easier, cheaper, and it's completely done online.

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Q.) How do I add insurance to an eBay item?

A.) Please see this page to learn how to start using insurance.

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Q.) When should I add this insurance to my items?

A.) You should add insurance to your item the same day that you ship it, up to one day after you ship it. You have a one (1) day period from when you ship your item until you can insure your item with us. Thus, if you shipped your item yesterday, you can still add insurance up to one day after shipment. However, we recommend you do not delay and add the insurance as soon as possible and/or on the day you ship your item.

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Q.) How important is the ship date I set when I add insurance?

A.) This is extremely important. It's always best to add insurance immediately when your item ships. You have up to one (1) day after the shipment date to insure your packages. In other words, you can't ship your item out, then 2 days later add insurance to that item. So add insurance first, input the correct shipping date in the ship date section, and then ship your item on that date! Items will not be covered if insurance was added one day or more after you already shipped your item.

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Q.) What kind of records should I keep to prove I shipped the item (for claims)?

A.) One of the great things about buying insurance through inkFrog is that there are many different ways to keep you covered and prove you shipped your items. Any of the following can be used when filing claims as proof of shipment: USPS receipt, PayPal screen shot of the shipping label or printout, Endicia Dazzle postage log, Stamps.com log, USPS.com history, or tracking number. Please note: Placing a postage stamp on your package and dropping it in the mail flow DOES NOT provide proof of mailing. Please use an online label printing service or take your package to the post office to pay for postage and generate a label.

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Q.) Can I insure my shipping and handling?

A.) Yes! Make sure that your shipping and handling costs is part of your declared value. For example: If you sell an item for $20.00 and the shipping & handling is $5.00, you can declare a value of $25.00 for coverage. Shipping & handling charges are only recoverable if the value is declared in the insured value. Insurance fees are excluded from coverage.

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Q.) If I make a mistake, can I cancel an insurance order?

A.) You can cancel an order up to one day after the shipment date. To do so, find the insured shipment and click the insurance link and then click the Cancel Insurance button. If it is two days or more after the shipment date you provided us when you initially insured the item, coverage cannot be cancelled.

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Q.) Is it really this easy?

A.) Yes, it really is! Just a few clicks in inkFrog and your item is insured.

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Q.) How much does insurance through inkFrog cost?

A.) The cost is just $.59c for $19.95/mo plan members, .69c for $14.95 plan members, .75c for $9.95 plan members, 0.85 for Free members and Smart Counter plan members per $100 in coverage, per package, for Domestic shipments sent via the USPS. International shipments are just $.79c for $19.95/mo plan members, .89c for $14.95 plan members, .95c for $9.95 plan members, 1.10 for Free members and Smart Counter plan members per $100 in coverage, per package. USPS charges $1.75 for up to $50 in coverage and $2.25 for $51-$100 of coverage. The first $100 is covered by USPS Express Mail by default from the USPS. The savings by using our insurance provider is substantial. inkFrog UPS coverage also saves you money. It's only $0.6 per $100 (over the first $100 - the first $100 is covered by UPS already).

NOTE: inkFrog insurance also works with USPS First Class International shipments. The cost for this is the same international rate of $.79c for $19.95/mo plan members, .89c for $14.95 plan members, .95c for $9.95 plan members, 1.10 for Free members and Smart Counter plan members per $100. USPS does not offer coverage for this type of shipments which makes our insurance such a great value.

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Q.) How do I get billed for insurance?

A.) inkFrog allows you to prepay for insurance from the preferences page. You can prepay in $5, $10, $15+ increments. inkFrog will then deduct the amount ($.59c for $19.95/mo plan members, .69c for $14.95 plan members, .75c for $9.95 plan members, 0.85 for Free members and Smart Counter plan members per $100 for domestic or $.79c for $19.95/mo plan members, .89c for $14.95 plan members, .95c for $9.95 plan members, 1.10 for Free members and Smart Counter plan members for international) each time you add insurance to an item. You can add insurance to an item from the 'sold' section in inkFrog.

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Q.) How do I charge my customers for insurance?

A.) This is completely up to you. Just as we can't tell you how to price your items, we can't tell you how to, or if you should, charge for insurance. Many sellers input this cost into their item price or their handling charge. Because our insurance is offered at such a huge discount, It will be easier to include this cost into your listings.

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Q.) If I buy insurance here, do I still need to purchase insurance at the Post Office?

A.) No, you can save your money! Make sure you do not buy insurance from the post office if you already purchased it through inkFrog. This will cause you to have double the insurance! Once added through inkFrog, your item is insured. Just make sure to read the coverage exclusions and conditions.

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Q.) USPS doesn't offer insurance for USPS International First Class. Does your insurance cover that?

A.) Yes, this is one of the great benefits of using inkFrog to buy insurance! You can ship your items via USPS International First Class and be insured! It's Just $.79c for $19.95/mo plan members, .89c for $14.95 plan members, .95c for $9.95 plan members, 1.10 for Free members and Smart Counter plan members per $100 of coverage, per package, up to $2,500.00 for non USPS First-Class mail shipments and $999.99 for USPS First-Class mail shipments. USPS does not offer insurance coverage for this shipping method, so using our insurance is a great way to get the coverage you need.

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Q.) What methods of USPS shipments are covered?

A.) All of them! Domestic and International. Please make sure to abide by our excluded country and excluded item lists.

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Q.) How much coverage do I get?

A.) You can buy up to $2,500.00 for non USPS First-Class mail shipments and $999.99 for USPS First-Class mail shipments. You can also purchase up to $2500 worth for UPS and Fedex. The insurance covers freight from all risks of physical loss or damage from an external cause (subject to exclusions) while in transit. Shipments must originate from the United States of America and/or Canada and must be sent via the United States Postal Service or via United Parcel Service (UPS). Your shipments must be packages to withstand the normal rigors of transit and follow the rules of the shipping carriers. Please note there are exclusions.

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Q.) What if I need over $100 of coverage?

A.) Not a problem, for USPS shipments it's just $.59c for $19.95/mo plan members, .69c for $14.95 plan members, .75c for $9.95 plan members, 0.85 for Free members and Smart Counter plan members/Domestic & $.79c for $19.95/mo plan members, .89c for $14.95 plan members, .95c for $9.95 plan members, 1.10 for Free members and Smart Counter plan members/International for each $100, per package you want to cover up to $2,500.00 for non USPS First-Class mail shipments and $999.99 for USPS First-Class mail shipments. UPS shipments are just $0.6/Domestic & $0.6/International for each $100, per package you want to cover up to $2500, over the initial $100.00 of free coverage. The USPS also provides $100.00 of free coverage for Express Mail shipments.

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Q.) Is this insurance through inkFrog?

A.) No, this insurance is not through inkFrog. The insurance is through a third party company called Shipsurance Insurance Services, which is underwritten by Underwriters at Lloyds of London. We are simply using our buying power to offer our members a great price. We offer the ability to purchase this insurance quickly and easily to save time. Because we buy in bulk, using all of our members power, you save!


Q.) How do I explain the coverage to my buyers?

A.) We suggest notifying your customers to contact you if they are having any trouble with the shipment; if it has not arrived or is damaged. It is very important to educate your buyers (especially International buyers) that it may take up to 45 days for their packages to get to them. This is due to the shipping service that you use, the time it takes for the package to go through customs, and the time it takes for the local carrier or courier to actually deliver the package. Shipments sent via USPS First Class International mail commonly take 30-60 days to arrive to certain countries. If your buyer needs their shipment faster, consider using USPS Express Mail or UPS.
Make sure your buyers understand that if anything is damaged they need to keep the item and package as they originally received it and to contact you immediately. If your buyers file a PayPal chargeback or eBay complaint make sure to let them know you are working with your insurance company to process their claim. You can also respond to PayPal or eBay and request that they do not process the refund as you are working with your insurance company on the claim.

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Q.) What items are excluded from the insurance coverage?

A.) This is very important! The following is a list of exclusions (items not available for coverage): Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, COD payments, coins (collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, neon items, hazardous material (per UPS Hazardous Materials List), LCD, LED, OLED and similar monitors or screens, televisions (including LCD, LED, OLED, plasma, CRT, projection, and similar), perishable cargo or similar property, eggs, any stone or ceramic slabs, automobiles, motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, guns (guns more than 100 years old are not excluded), tobacco, windows, plate glass, stained glass, float glass, laptop computers (including tablet computers, iPads, and similar), and mobile telephones (including cell phones, smart phones, messaging phones, iPhones, android phones, blackberry phones, and similar). If you ship any of these items and purchase our insurance THERE IS NO COVERAGE.

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Q.) Can a laptop, lcd, tv, or mobile phone be insured?

A.) No, these are exclusions as noted in the previous faq question. These items are not insurable! These items are either very prone to loss or extremely fragile and are commonly not packed and shipped properly. Because of this, they are excluded from coverage.

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Q.) What special requirements are there for Jewelry?

A.) Jewelry (includes necklaces, earrings, watches, rings, bracelets, broaches, etc) with a value of $500.00 or more must be sent with the Signature Confirmation service provided by the shipping carriers (must be signed for at delivery). This service is available by most shipping carriers often at an additional expense to their core shipping service. Jewelry shipments that do not abide by this condition are not covered by this program. The buyers and you, as the seller, do not want valuable jewelry left at their doorstep!

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Q.) What countries are excluded from coverage?

A.) The following countries are NOT covered by this insurance! Shipments sent to Afghanistan, Angola, Bolivia, Brazil, Burma, Congo, Cuba, Iran, Iraq, Ivory Coast (Cote d'Ivoire), Liberia, Mexico (Truck/rail shipments to and within other than as a connecting conveyance), Nigeria, North Korea, Paraguay, Sierra Leone, Somalia, Sudan, Syria, Venezuela. Any location that would be in violation of any U.S. economic or trade sanctions including OFAC Restricted Countries. For shipments to Russian and other Commonwealth of Independent States countries (includes Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Russian Federation, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan) coverage ceases upon touchdown of the aircraft at the airport of destination or upon discharge from the overseas vessel at the destination discharge port.
Shipments sent to countries that are embargoed by the United States or United Nations as sanctioned by the Office of Foreign Asset Control (OFAC) are also not covered.

When shipping via the United States Postal Service it is also very important to understand their "Country Conditions for Mailing". Certain countries PROHIBIT specific items from being shipped to their country. If you ship a prohibited item, there is no insurance coverage as all parcels that require insurance coverage must be shipped in strict accordance with all regulations of the carrier and amendments thereto. The complete country restriction lists can be found in the USPS International Mail Manual under the "Individual Country Listings" section.

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Q.) What if I live outside the US or Canada?

A.) Only shipments ORIGINATING FROM the US or Canada qualify for this insurance! We hope to have international support at a later time.

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Q.) Can I ship internationally with this insurance?

A.) Yes, you can ship internationally as long as your shipment does not go to one of the excluded countries and you ship via the USPS or UPS. You can see the excluded country list here.

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Q.) How do I file a claim?

A.) Filing a claim is very simple. To file a claim online, just go to this URL: http://claims.inkfrog.com. If you prefer to fax in a claim form, you can print and fill out the affidavit and the claim form. Then fax it to 818-668-8888 or you can mail it into the address found on the claim form.

The Insured will complete a SHIPSURANCE claim form and provide all required documents to SHIPSURANCE within sixty (60) calendar days from the date of shipment. If the carrier has liability and their remittance (carrier's claim check and stub) or response has not been received by the Insured within the 60 day timeframe, all other claim paperwork must be received by SHIPSURANCE within sixty (60) calendar days from the date of shipment. A complete claim submission includes a SHIPSURANCE claim form, a copy of the carrier's tracer form, a copy of the invoice (PayPal transaction recent or other eBay receipt) or recent appraisal, photos of damaged goods and packaging, a repair estimate, a claim statement signed by the recipient (or intended recipient), and any other documentation requested by SHIPSURANCE. Failure to complete the claim form and follow all claim instructions could lead to non settlement of claim. If the shipment is sent via the United States Postal Service (USPS), complete claims must be submitted and received by SHIPSURANCE within one hundred and twenty (120) calendar days of the shipment date. If the claim is for loss the Insured must wait 21 calendar days (Domestic shipments) or 45 calendar days (International shipments) before filing claim with SHIPSURANCE. All damaged property that was not repaired must be made available (given) to SHIPSURANCE or INS if requested.

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Q.) How many days do I have to file a claim?

A.) You have 120 days from the shipment date to complete all claims for USPS shipments and 60 days for UPS shipments. You should file immediate notice of non-delivery, damage, or shortage with the Shipping Carrier and with SHIPSURANCE. Take proper exceptions on the delivery receipt and with the carrier when any loss or damage is apparent at the time of taking delivery.

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Q.) Who files the claim, buyer or seller?

A.) The seller of the item must file all claims!

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Q.) What happens after I file a claim?

A.) The moment you submit a claim you are assigned a claim number and Shipsurance is notified of the new claim. They will issue you a "document request" via email that indicates what supporting documentation is required to continue processing the claim. This is usually a PDF file that is sent to the email address that you provided when filing the claim. Make sure to look for emails coming from the "shipsurance.com" domain name and check your junk or spam emails in case your email program incorrectly routes emails there.
Please be patient as it may take up to two business days to receive this email, however, you will usually receive the "document request" within a few hours of filing your claim.

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Q.) Should I refund the buyer when they tell me their shipment is lost or damaged?

A.) DO NOT REFUND THE BUYER UNTIL THE CLAIM IS SETTLED! The insurance company will require a signed statement/affidavit from the buyer indicating loss or damage. If you refund the buyer they no longer have any incentive to assist you in the claim process and your claim may not get completed. We understand that your buyer may file a PayPal chargeback or eBay complaint, however, in order to complete your claim you should not refund them until the claim process is complete.

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Q.) What kind of records should I keep for claims?

A.) One of the great things about buying insurance through inkFrog is that there are many different ways to keep you covered and prove you shipped your items. Any of the following can be used when filing claims as proof of shipment: USPS receipt, PayPal screen shot of shipping label or printout, Endicia Dazzle postage log, Stamps.com log, USPS.com history, or tracking number. Please note: Placing a postage stamp on your package and dropping it in the mail flow DOES NOT provide proof of mailing. Please use an online label printing service or take your package to the post office to pay for postage and generate a label.

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Q.) When a claim is completed, who gets paid?

A.) The insured party (shipper) will receive the claim payment via PayPal. PayPal fees are also paid by Shipsurance. We do not pay the consignee.

Q.) How do I get paid when my claim is settled?

A.) Once your claim is settled you, the seller, will be paid via PayPal. There are no PayPal fee's on this payment as these are covered by Shipsurance.

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Q.) Who is the consignee?

A.) The consignee is the person the shipment was sent to. I.E. the recipient.

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Q.) Who needs to sign the claims affidavit?

A.) The consignee.

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Q.) What happens after a claim is paid but the shipment eventually arrives?

A.) Please contact Shipsurance at claims@shipsurance.com and provide the claim number if a shipment shows up after a claim is paid. They will contact you and work out the claim payment refund process. This often happens for shipments that get delayed in customs.

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