Sorry about the slow reply. The idea is that the buyer has to cooperate with the insurance claim, if their chargeback is to succeed; otherwise Paypal/the CC company would ask why not. If they submit something in writing which is materially false, then they're committing fraud against he insurance issuer, which is in a rather better position to prosecute than I am if a pattern is detected.

For this reason I always use my own photos of the specific item I'm selling on an auction, and do the shipping calculation in advance so the buyer pays - and so that the auction page include the shipping weight. Sometimes this costs me a few $ if the shipping calculator is slightly off (eg I've forgotten to allow for the size/weight of the packaging) and the insurance costs me a few $ as well. But if the buyer ever says the 'item is not as described' then I have a good excuse to claim on the insurance, who will ask for the buyer to submit what was received.

Well if you put the right thing in the box, and the recipient says that he got the wrong thing, couldn't you therefore argue that the package was tampered with?