That's interesting because I checked out the Honk Kong Mail site and they don't offer insurance for surface/Air parcels to the UK. (Also a small packet is cheaper to send via air-mail than surface mail)The USA site (realhotstuff.com) actually has the same shipping insurance option with the same language. We do not mean to offend any customers, but in order to cut down costs and compete with other flashcart resellers we cannot automatically insure all packages, especially since we are also offering free shipping on the majority of our products.
And the USPS insures most delivery methods up to $100 for free when shipping internationally, only the more expensive options don't have it for some reason and those options can't have insurance added.
I have a feeling this is more of an insurance you're running yourself, putting the money into your contingency fund for sending out lost replacements.
In the end I'm protected by UK trading law and my credit card, I just wanted to point out some weirdness to what many people seem to call a reputable dealer, so they can stay reputable