Does look to me she's a newbie scammer! May or may not be new to ebay but certainly new to scamming. Why else would she go to lengths asking about your insurance policy and how you can claim? None of her business really. Remove her bids and block her, don't bother with replying or she'll devise something else to get the upper hand.
Even in the rare event she turns out to be an honest buyer, it's always better to be safe than sorry.
1. the words she uses, such as hinting that your english is bad and communicating with you would be a hassle and using a curse word in her mails.
2. her suggesting the horrible way things could go...
3. her constant, rambling emails that even gave ME a headache and which i couldn't understand, nor would want to, even if you gave me 10 buckets of free candy.
block her sweetie and save yourself a potential big giant ordeal.