Feedback is your first stop, then you make the call on payment. Paypal is best for you but some (inc' me) don't like it/won't use it. However, if the user is long term with loads of feedback then I'd not be unhappy with bank transfer. Insurance on delivery is dependent on courier; some (parcelforce) don't even give insurance, Interparcel/UPS might cost a nadge more (not always) but you are covered.