I don't know for sure but I would advise you to click on Community which is right side near the top of the Ebay page. Then go to Answer Center and I am sure you will get the information you need.I've done that and someone is usually very helpful.
Lois

Go to My eBay.

Click the Won view.

Find your listing and select "Resolve a problem" from the pull-down menu.

The Resolution Center Resolve a problem form appears

Select your problem and click the Continue button.

Sign in to your account. The Report an item not received or not as described form appears.

If you get to the Resolution Center from your listing, your item number is already filled in.

If you get there another way, enter your item number.

Click the Continue button.

Under Tell us how you paid for this item, select the payment method you used.

If you select PayPal, you'll be redirected to the PayPal Resolution Center. You'll still be able to view your PayPal case from the eBay Resolution Center.

If you select another method, describe the method and click the Continue button.

Under Please review the case details, review your case and click Open Case.

The Your case is now open page appears and tells you that your trading partner has been notified and has 10 days to respond.

You can track or end the case at the Resolution Center.

3. We contact the seller
Timeline: Right after you open a case at the Resolution Center.
After youÂve opened your case at the Resolution Center, we contact the seller, let them know you've opened a case with them about your purchase, and encourage them to communicate with you within the next 10 days. We also display an alert for 14 days whenever the seller signs on, reminding them to contact you if they haven't yet. Most of the time, this resolves the case before you have to take further steps.
4. The seller responds
Timeline: The seller has 10 days to respond.
When the seller responds to your case, youÂll be notified by email. HereÂs how the seller can respond:
Issue
Possible seller responses
Item not received
IÂd like to communicate with the buyer to resolve this case.

The seller can then post a message to you. For your case to be fully tracked, you need to keep all communication within the Resolution Center.

I havenÂt received the payment or the payment has not yet cleared.

You can provide information to the seller about your payment method.

I already shipped the item.

If the item has already shipped, the seller should provide shipping details in their response.

IÂd like to offer the buyer a full refund.

The seller can offer to return your payment.

The seller may not respond at all.

If the seller doesn't respond, you can close the case and report the seller to the eBay Trust and Safety team. See 6. Close the case for more about this.
Item significantly not as described
IÂd like to communicate with the buyer to resolve this case.

The seller can then post a message to you.

IÂd like to offer the buyer a full refund.

The seller can offer to return your payment.

The seller may not respond at all.

If the seller doesn't respond, you can close the case and report the seller to the eBay Trust and Safety team. See 6. Close the case for more about this.

5. Keep communicating
Timeline: Until the problem is resolved or 90 days, whichever comes first.
After the seller responds, you can talk with him or her through the Resolution Center until you reach an agreement and can close the case or find you can't resolve the issue and need to close the case.
6. Close the case
Timeline: Up to 90 days from the date of purchase.
If you close the case, or the 90 days expires and we automatically close it, you canÂt reopen it and you canÂt open another case for this purchase.

When a case is closed automatically, the seller isn't automatically reported to eBay Trust and Safety team.

You can report the seller to the Trust and Safety team if the seller doesnÂt respond within 10 days, or any time after the seller responds (for example, if they respond inappropriately).

To close the case:
Go to the Resolution Center and log in to your case.

Select one of the following options to close the case.

Option
What happens next
My concerns have been resolved  I want to close the case
The problem is resolved if you've received the item and it's as described, or you've received a refund.
My concerns havenÂt been resolved  I want to report this seller to the eBay Trust and Safety team.
The Trust and Safety team is alerted. Possible actions against the seller may include: restriction or suspension of the seller's account, listing cancellation, forfeit of fees, selling fee schedule adjustments, loss of PowerSeller status, or referral to law enforcement.

7. Leave Feedback
Being involved in a case through our Resolution Center doesn't automatically affect Feedback scores for the buyer or seller.
After you close a case, we encourage you to leave Feedback about the transaction. Please be fair and factual. This makes others members aware of your experience and helps keep eBay a safe place to buy and sell.

Questions?
Question
Answer
When can I open a case?
You can open your case 10-45 days from the purchase date. During the waiting period, we encourage you to try to resolve the problem directly with the seller.
What if the item was purchased using PayPal?
PayPal transactions are covered differently than other eBay transactions. You'll open your case at PayPal's Resolution Center. If you paid for the item using PayPal, you have up to 45 days from the purchase date to open a case.
How long does the seller have to respond to a case?
The seller must respond within 10 days from the time we notify him or her of the case.
What if I indicate that the problem isnÂt resolved or the seller doesnÂt respond to the case within 10 days?
If the seller doesn't respond, you can close the case. Your unresolved case is referred to the eBay Trust and Safety team, who may take action against the seller's account.
Can I get my money back?
Purchases made with PayPal are protected by PayPalÂs Buyer Protection Program. If you paid by credit card, ask your credit card company about their buyer protection program.
How long can a case remain open?
Cases remain open 90 days from the date of purchase. If you donÂt close the case within 90 days, it's closed automatically.

Alisande, There is more information in the Help Center...Go to the Help Center..it is on the right near your MY EBAY. You will find it in there. Hope this helps. I have used the non-bidding payer, and am about to use the non-paying buyer. I have found that e-bay and paypal are very helpful. E-bay being the most helpful for non-paying buyers.

Thanks, both of you! I'm going to save all this information.

I remembered that the seller had a website, and I went there and got the phone number. It looks like it's a rather large operation. The person answering the phone took down all the transaction info and went off to investigate. He came back and said the item will be shipped today, and I'll receive an email with the tracking number.

Things are looking up.

Alisande,
For the future, the Seller is responsible for getting the item to you in the condition it was described. It is the Seller who should be concerned about insurance, not the Buyer. Even without insurance the Buyer is protected. The Seller has to show Delivery Confirmation for proof of delivery.

Save your money and let the Seller worry about purchasing insurance. If he doesn't insure the package and it gets lost or damaged, then it's his loss, not yours.