I've had a few dealings with Downies and have had no troubles. The postage cost includes no-questions-asked insurance and as mentioned they are shipping from Australia (that can sometimes meant slight delays in items arriving but they do get there in the end). I buy more from eurocollections though, as they have quite a large range of world coins including some pretty obscure stuff I wouldn't know where to get anywhere else (besides perhaps eBay buyers, who have some pretty ridiculous postage prices as well sometimes)
Hope all goes well with your purchases!
