Fraud Prevention & Insurance

Most items on eBay are covered by insurance for up to $200 (less the standard $25 deductible) through Lloyd's, the industry's premier insurance carrier. Every eBay user is covered free of charge under the terms of our insurance program.

While the vast majority of eBay transactions are trouble-free, rest assured that when fraud happens, insurance coverage can help. Here's how fraud is defined on eBay:

1. Paying for an item and never receiving it or
   
2. Receiving an item that is less than what is described -- such as winning a solid gold necklace at auction but receiving a copper one instead.

If you feel you need to use your insurance coverage, here are the steps to take:

1. First, try to communicate with your seller directly. Many problems are just simple misunderstandings. To contact this person, fill out The Registered User Information Request page.
2. Review the Insurance Eligibility Checklist to understand how you qualify for insurance.
3. If you still suspect fraud and have gone through Steps 1 and 2, file an insurance claim.

Check out the Insurance FAQ (Frequently Asked Questions) if you'd like more information.