it wont cover you as paypal are arseholes putting it nicely. I had the same with a buyer receiving item then saying they didnt, even though i had proof of postage they still refunded them. So i cancelled my paypal DD and im in a negative balance and theres zero chance of me restoring it back, im not being out of pocket cos of their stupid bloody policies.

I refuse to use paypal now tbh, ebay and paypal going right down the pan IMO

Sarah