Western Union, and insured money??? Please I need help!!

Okay, well I am doing a deal with a guy over in London, and he only wants to do Western Union Wire transfer. I am going to send a lot of hard earned money, and I want to be sure not to get scammed, so basically I am wondering, if I do not get my item will Western Union or whatever be able to refund my money? Or how exactly would that work?

Thanks!

If you don't recieve the item Western Union doesn't do anything, also PayPal doesn't do anything but PayPal deals with Ebay and it's feedbacks without that people would still get scammed

Ask the guy put it up for Ebay auction and make it the "Buy Now" feature