POstage with ebay simple system

Why when the cost of post covers ebay for £75 but only covers me for the item sold on ebay.? eg If the buyer wants a 2nd or 3rd item of £12 each in value how can I send the 2nd or 3rd item with the first, ie 3 items £36 plus post say £40 ish? If parcel gets lost we are not covered or are we? if covered how do we conform that with Ebay?

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POstage with ebay simple system

Simple Delivery covers for loss or damage in transit up to £750.

 

 

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