Yeah, I can see this being an issue for some 
people who don't realize that they are taking a 
chance when shipping something uninsured. 
Personally, I don't ask for insurance on cheap 
items, but cheap is relative. ^^;

If I were you, I would make insurance part of the 
bill but also write in your description that the 
buyer can ask for the cel to be sent uninsured 
but also state clearly that if the buyer chooses 
this option, you (Drac) will not be responsible 
for any reimbursements if the package is lost or 
damaged. This way, the buyer can still save some 
money while you make it known beforehand that by 
doing so you will not compensate them if a 
problem arises. If they complain, then point out 
that they agreed to your conditions when they 
_chose_ to not pay for insurance.

---Trebuchet