Markphd, I think you've got it wrong. I think it's only a crime if you insure it for MORE than what the product is worth. To my knowledge there's suppose to be a difference between "declared value" and "insured value" but for private transactions, I believe most people treat the two as the same thing since there doesn't seem to be an option to separate the two on the forms. The private seller has already paid his taxes (and the taxes for the product), he cannot and should not be forced by his government to pay full insurance. The only problem is that if a problem does occur, the difference between the insured value and the actual value of the item needs to be covered but that's between the buyer and the seller. A shipper is allowed to insure an item for less. The buyer is the one paying for insurance. Obviously, if the seller insures the item for less than what the buyer asked/paid for, the seller is responsible. But if it's the buyer who requests the seller to insure the item for less than the paid for value, you would hope that the buyer takes responsibility.
It is illegal for companies to not charge the full amount for taxes. But if they are allowed to ship overseas and don't incur export fees, they cannot charge their foreign buyer their local taxes and so again should not be forced to insure the item for more than the amount the buyer is willing to pay for. Some companies refuse to insure it for less than their cost of course but that's another story.
In terms of money order. The number of days it takes to clear a money order is a bit rediculous but any other payment option would pose similar risks of fraud except for escrow, which would take just as long of a time anyways.
To me, I hate dealing with people who's all business. I rather trust and get hurt than to have never found someone I can trust