HI there,
Been there done that
The payment instructions are on the Lister window after images have uploaded. The payment instructions window is located on the Additional options tab. Be sure to complete that field.
Shipping options are defined in one of 2 places. You can set default options for each Auction profile. Go to File | Auction profiles. One the very bottom click the button that is Edit Auction lot Defaults and shipping options. When you click that button another page appears where you can define shipping options defaults, including insurance being optional.
Shipping options including insurance options can be defined on individual Auction lots. Look at one of your Auction lots, Click the "Shipping Options" tab. Part way down is the Shipping insurance field. In that field you select whether shipping insurance is optional, required, etc.
Be sure you have edited "Preferences> shipping discounts>Insurance option in My Ebay. If you have your insurance set to Not offered there or unavailable, Insurance will not appear in your listings at all.
See if that helps.
Judy/blue
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