Lost Shipping Covered??

[percymama]

Hi Guys 

I am buying an item from "Bangggood" and on the checkout page it is stating that if I do not pay for shipping insurance then if the item is lost in transit I will not be compensated, however my understanding is that if I pay using PayPal then I am covered in the event of non receipt of the item? can anyone please confirm?

I waited over 2 hours for PP messsaging but nobody seems to be there!!

[kernowlass]

@percymama 

That depends on MANY factors all listed in Paypals buyer protection policy for you to read so you can risk assess your transactions.
Legal (bottom right of Paypals pages) > user agreement > buyer protection.

[percymama]

Well herein lays the problem, I have read through the buyer protection details,and I am STILL not any wiser.

The way I understand things is, I pay using PP and if the item does not arrive, I am simply refunded if I need to make any claim.

However the fact that the company has a tick box for shipping insurance, and when you uncheck this box, a message appears staying that should the item get lost, you cannot claim a refund, which goes against the PP buyer protection policy? 

I feel the company is simply tying to scare you into paying extra shipping insurance?

As you CAN claim for NR if you pay using PayPal, but as I said, I just wanted some confirmation on this.