I'd usually look for a more techie sort of forum to discuss a company like this, but the Ztail business model is what I found intriguing about this article.
Let's say you buy a $900 stroller and use Ztail to provide what amounts to a resell insurance policy. Ztail gives you a quote on the resell value on eBay one year later – in this case $359.60. The year goes by and you resell it, on eBay. Ztail will set up the sell of the stroller and do all the annoying listing forms at eBay for you. If the stroller only goes fro $300, Ztail will send you the $59.60 difference.
And if the stroller goes for $459.60? You keep every penny of the unexpected extra hundred dollars. Ztail makes its money frm affiliate partners whose goods it insures the resell value on.
Customer service? A new layer of insurance? I'm not sure. But it will be interesting to see how it does…