Why does is the eBay Buyer Premium constantly wrong?

Does anyone know why the eBay Buyer premium constantly changes at the last minute? I bid on an item - £41.93 + postage of £7.90 and it clearly states "includes £1.93 for Buyer Protection". I win the auction unchallenged. But when I go to pay, the item (before postage) has suddenly jumped to £42.32 and now "includes £2.32 for Buyer Protection". This isn't an isolated case, it happens almost every time. I think I know what I'm paying for Buy It Now, agree to the amount, then it goes up at check out because the Buyer Protection has suddenly increased for no reason.

 

Any suggestions as to why I keep experiencing this? It's annoying to suddenly find I'm paying more than I thought, especially as, in the example above, I thought I was keeping things under £50, and now I've gone slightly over at the last second!

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