Payment by Paypal,cheque or postal order please.(Postal order is my preferred payment but I'm just happy 2 get paid!) If paying from outside UK, payment MUST be by Paypal, sorry but UK bank charges are too high! Please contact me if U have any concerns. Royal Mail pay out on a lost parcel as long as the value of the parcel is below £30. Extra insurance is therefore unnecessary BUT only the item is insured not the cost of postage,this is Royal Mail policy not mine.