lat9:
OK, my eyesight is going, but ...
It looks like you've got both the "Amount Exempt From Fee" and the "Required Insurance Amount" set to 150, which essentially says that insurance is required over $150.
If I've misread the teeny-weeny text on that image, please enlighten me!
Enable Insurance Module
Do you want to enable this module? To fully turn this off, both this option and the one below should be set to false.
true
Sort Order
Sort order of display. Note: Must be higher than the sub-total.
299
Use Table Rates?
Do you want to use Table Rates?
false
Alternate Insurance Type
If not using Table Rates, would you like to charge by percentage of the cart sub-total or by a specific amount?
amount
Insurance Percentage
Used with percent calculations. What percentage should be applied to the cart sub-total to calculate the insurance amount?
5
Insurance Rate
Used with amount and Table Rates calculations. What amount do you want to charge per Increment Amount?
1.25
Increment Amount
Used with amount and Table Rates calculations. Identify the amount-increment for which the Insurance Rate is applied. If, for example, the increment-amount is 100 and the rate is .50, the insurance is calculated as $0.50 for each $100.00 of the total.
100
Amount Exempt From Fee
Used with amount calculations. Set this to the amount of the total that is exempt from the insurance calculations, i.e. set to 100 for all orders under 100 to be exempt, already insured, etc.
100
Tax Class
Use the following tax class on the insurance fee.
--none--
No Insurance Fee on Virtual Products
Do not charge insurance fee when cart is Virtual Products Only
true
No Insurance Fee on Gift Vouchers
Do not charge insurance fee when cart is Gift Vouchers only
true
No Insurance Fee on Free Shipping
Do not calculate insurance for products that have free shipping (includes gv and virtual products)
false
Required Insurance Amount
Automatically charge shipping insurance for amounts over X dollars
100
The optional insurance is not in checkout.
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