As a professional or e-merchant, using a platform like Boxtal to manage your shipments is a real time-saver. But when it comes to the crucial question of protecting your goods, is the insurance offered really up to the challenge? There can be a gap between promises, rates and reality.
This strategic guide, based on official data from 2025, takes a closer look at Boxtal's parcel insurance. We'll take an in-depth look at how it works, its pricing structure, its strict ceilings and exclusions. Above all, we'll shed light on the actual claims process and compare it to a specialized, independent solution like Claisy, to give you the keys to an informed, cost-effective decision.
How Boxtal parcel insurance works: the Boxtal-AXA-Marsh chain
Boxtal's insurance is ad valorem: its premium is calculated on the basis of the value you declare for your goods. Behind this offer lies a three-way partnership: Boxtal, insurer AXA and managing broker Marsh.
This structure has a direct and major impact on you. In the event of a claim, although you interact with the Boxtal interface, your file is actually managed by Marsh. And Marsh's final decision on compensation is, in most cases, subject to the conclusion of the carrier's investigation.
This complex chain of decisions is the source of compensation delays that, as we shall see, can extend up to 90 days.
The key distinction: "ordinary" vs. "sensitive" goods
Boxtal segments its offer (and prices) into two categories:
- Ordinary goods: most everyday products
- Sensitive goods: defined as goods that are susceptible to breakage or theft
This distinction is perceived by many as a way of significantly raising prices for products that are nevertheless commonplace, such as a simple smartphone, which then falls into the most expensive category.
Boxtal 2025 insurance rates and limits
An insurance company's credibility depends on the transparency of its figures. Here is Boxtal's official price list, followed by its strict coverage limit.
Note: A 10% discount is applied to these prices if your e-commerce account (CMS) is synchronized with Boxtal.
The Coverage Ceiling: a strict limit of €1,000
This is a crucial point to understand: Boxtal insurance does not cover packages valued at over €1,000. There is no "on quote" option for higher values. If your goods are worth €1,500, they cannot be insured by this service. This limit is a major obstacle for all professionals shipping medium to high-value goods.
What's covered, what's sensitive, what's excluded and the real compensation route
Understanding what is NOT covered is just as important as knowing what is covered.
Exclusions and special conditions
The list of exclusions is long and should be consulted carefully before any shipment. It includes many high value-added products, such as jewelry, works of art and collector's items.
Second-hand goods are theoretically insurable, but the reality is complex. Boxtal applies a very high discount for obsolescence, making compensation often disappointing and well below the product's market value: from 10% for any item not new to 50% for any item over 5 years old. Items over 10 years old are no longer covered.
The compensation waiting period: 70 to 90 days
This is the most critical point in the Boxtal process. Because of Marsh's dependence on carrier validation, the average time taken to obtain a refund is between 70 and 90 days. That's an eternity for a company's cash flow, which has to deal with an unhappy customer and a financial loss for almost three months.
Boxtal vs. Claisy: the clash of two philosophies
Let's put Boxtal's integrated offering into perspective, versus Claisy's specialized, independent solution.
Your questions about Boxtal insurance
Conclusion: Boxtal, basic insurance with clear limits
L'assurance proposée par Boxtal est une solution intégrée de premier niveau, adaptée pour des envois de faible valeur (< 150€) et de marchandises "ordinaires" pour lesquels un délai de remboursement de trois mois n'est pas un enjeu critique.
However, for any professional use or for goods exceeding a modest value, its structural limits become major risks:
- A strict, low ceiling of €1,000
- Soaring tariffs for "sensitive" goods
- Complex, opaque third-party management (Marsh)
- Claims processing times of 70 to 90 days, jeopardizing your cash flow and customer satisfaction
For companies that see security and speed as competitive advantages, a specialized solution like Claisy is the strategic alternative. With coverage of up to €100,000, broad acceptance of valuable goods, total independence from carriers and compensation within a few days, it is a direct response to the shortcomings of integrated offers. On average 5 to 10 times less expensive, it transforms cost insurance into a genuine performance tool.