Definitely purchase insurance. It is not very expensive. Unfortuantely no matter how well it is packed, things do happen in transit. It is not the sellers fault if something happens once it leaves his hands if he packs properly. If you have the insurance for what the bike is worth, that is the only way you will get your money back if something does happen.
I sold on ebay for years,always packed things so carefully and securely and unfortunately sometimes things broke in transit. I always encouraged buyers to purchase the insurance so they would be covered.
Enjoy your new ride

