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Best Ad Valorem 2025 Insurance: Comparison and Comprehensive Guide to Protecting Your Parcels
Louise
March 11, 2025
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8
minutes of reading
Parcel Insurance Comparison 2025: Who Should You Choose to Really Insure Your Shipment (Ad Valorem)?
You need to ship a valuable parcel and you're in doubt: which insurance should you choose? La Poste, Chronopost, DHL, UPS... or a specialist insurer like Claisy? There's a wide range of products on offer, with varying ceilings, and the fine print of contracts hides some fearsome exclusions.
Look no further.
This 2025 comparison is the only resource you'll need. We've dissected the best Ad Valorem parcel insurances on the market to give you a clear, straightforward, jargon-free answer. Your mission: to choose the best protection. Our mission: to give you the keys.
Ad Valorem: The Only Real Shield for Your Valuable Parcels
Before diving into the comparison, a quick reminder. Ad Valorem" insurance is the only insurance that really counts for valuables.
Basic (flat-rate) insurance: This is a trap. It reimburses you by weight (e.g. €23/kg). If your €1,500 iPhone (200g) is lost, you get less than €5. This is unacceptable.
Ad Valorem ("according to value") insurance: This is your shield. It covers the actual declared value of your parcel in the event of loss, theft or breakage. It's essential for any item worth more than €50.
Now that that's clear, let's get down to business.
The 5 decisive criteria for comparing parcel insurance in 2025
To make the right choice, you need to analyze these 5 vital points:
Key Criteria for Choosing Parcel Insurance
5 Keys to Choosing the Right Insurance
📈
The Compensation Ceiling
The absolute maximum amount you will receive in the event of a claim. This is the most important criterion to check for valuables.
💰
Rates
The cost of insurance, often calculated by value band or percentage. Compare carefully, because the cheapest is not always the best.
💎
Insurable Goods (and Exclusions!)
Check the list of items covered. Please note: many carriers exclude jewelry, high-tech items or works of art from their standard Ad Valorem guarantees.
💡 This is not the case at Claisy. If in doubt, please contact us.
⏱️
The Claim Facility
If you have a problem, is the process simple, digitized and fast, or a real administrative obstacle course?
🎯
The Target
Is the offer available to individuals for occasional shipments, or is it reserved for professionals with contracts and volumes?
Le Grand Comparatif 2025: Carriers vs. Specialty Insurers
Here's the picture you've been waiting for. We've put transport giants and insurance specialists face to face. The information is based on data available for 2025:
You're sending an item worth between €50 and €1,000, and you've checked that it's NOT on the carrier's list of exclusions.
Our recommendation:
Ad Valorem insurance from La Poste / Colissimo or Chronopost may be sufficient for a single shipment. It's practical and integrated.
⚠️ ALWAYS CHECK THE EXCLUSIONS! If your item is on their list, this insurance is void. For regular shipments, a specialized solution is safer and more cost-effective.
💎
The Precious or Systematically Excluded Object
Your Profile:
You're sending a high-value item (> €1,000) or an item systematically refused by carriers (jewelry, watches, smartphones, leather goods, art...).
Our recommendation:
This is non-negotiable: opt for a specialized insurer. - Claisy (for professionals) - Secursus (for individuals)
For a rate often lower than that of carriers (at Claisy), you benefit from a much higher ceiling and the certainty that your property is really covered.
Professional Solution
📈
The Volume Shipper (E-trade / Pro)
Your Profile:
You ship many products of moderate value every day or every week, with one or more different carriers.
Our recommendation:
Claisy is the solution for you. A single rate, whatever the product, carrier or destination, and a single route for declaring a dispute.
Paying Ad Valorem insurance for an excluded item is like throwing money down the drain. In the event of a claim, the carrier will invoke its general terms and conditions of sale, and you'll get nothing. Always read the list of excluded items before paying.
Final Synthesis to Choose in 30 Seconds
In 2025, the hierarchy is clear: when it comes to Ad Valorem insurance, specialists such as Secursus(for private customers) and Claisy (for professionals) outperform traditional carriers on all critical points: covered value, price and scope of coverage. La Poste and Chronopost's insurance offers remain back-up solutions for shipments of moderate value, provided your item is not on their long list of exclusions.
You now have all the information you need to make an informed choice and ship your precious possessions with the only thing that really matters: total peace of mind.
Find out more about ad valorem carrier insurance :
