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Shipping Insurance 1.0
for osCommerce Online Merchant v2.2

This module will calculate shipping insurance based on a RATE times the TOTAL purchase amount less any EXEMPT amount and taxes.

It is a rebuild of Gunter Sammet's earlier INSURANCE_PRERELEASE contributuion available on his website, which in turn was based on the loworderfee module from Harald Ponce de Leon.

The customer does not have a choice if he wants insurance or not... that seemed dumb to me. Who gets stuck in the end if the customer declines...? Me! So I choose.

It is especially good for UPS since it has an exempt amount and calculates the insurance as a fixed rate per so many dollars above that amount.

Shipping Insurance is posted on the invoice like tax or shipping. The exempt amount, rate, and increment values are all adjustable in the order total modules admin panel.

It also works right with Bao Nguyen's authorizenet_direct contribution with notes in the readme file on a minor adjustment needed to that contribution so that it adds into the shipping insurance to the total.

I am using it live with a snapshot from November 11, 2002. Enjoy.

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Shipping Insurance not working with PayPal - Some Info totalnumpty 16 Feb 2010  

For about a year I have been trying to figure out why the previously fine shipping insurance contribution suddenly stopped working with PayPal, and only with PayPal - it continues to work without any problems with all other modules.

Finally I have found the answer buried on the PayPal website, and a confirmation that it broke due to changes made at eBay.

The full text of the PayPal reasoning is here - https://ppmts.custhelp.com/cgi-bin/ppdts.cfg/php/enduser/std_adp.php?p_faqid=465

The key info is at the bottom of the page (the very bottom) -
"Note that there is no variable in either for insurance.
Insurance would be lumped into shipping or handling charge infusing upload cart. With eBay checkout, the individual payment amounts, shipping, tax and insurance will be lumped into 'mc_gross'."

Currently the Shipping Insurance contrib uses the osC order_total modules aggregator, with no parameter for the insurance value to be passed separately to any payment module - this is why it no longer functions with PayPal.

To function with PayPal, the ot_insurance file needs to create a $value for the insurance amount, and the paypal_ipn files need modified to add that value to either the handling or shipping total, or to the mc_gross total invoice value passed to PayPal.

The $value parameters need created ONLY for the PayPal modules, all other modules continue to work correctly without it.

Unfortunately this coding is a bit beyond me, though I could probably cobble it together with some trial and error, but unfortunately do not have a test site with which to do this. I am passing this information along in the hope that someone can create the fix.

The attached file contains only the relevant bit of the PayPal page for info purposes - it contains no code from the contrib.

bug fix for cjamesme's version power9888 31 Mar 2009  
Update cjamesme 8 Jan 2009  
Shipping Insurance 2.04 chrisytsma 13 Mar 2008  
Shipping Insurance 2.03 chrisytsma 19 Jun 2007  
Shipping Insurance 2.02 rbartz 14 Nov 2006  
Shipping Insurance 2.1 davide.duca 11 Nov 2005  
Shipping Insurance 2.01 rbartz 19 Jul 2005  
Shipping INsurance 2.0 rbartz 15 Jul 2005  
Allow Choice Raj McVay 26 Dec 2004  
A quick update to skip insurance calculation if order total is less than the specified limit Juan Jose Velez 30 Aug 2004  
Shipping Insurance 1.0 Richard Bartz 13 Mar 2003