The Parcel Insurance Atlas
Your decision-making hub for navigating the Ad Valorem insurance ecosystem and building the perfect protection strategy for your business in 2025.
Claisy Transparent Protection in 3 Key Points
Get your cash back in 48 hours instead of several months.
Protect all your belongings, even luxury and high-tech items, anywhere in the world.
Automate your protection without slowing down your site or changing your habits.
🧭 How to Use This Parcel Insurance Hub
Are you lost in the jungle of parcel insurance? This Hub is your compass to navigate through more than 40 analyzed solutions and find the one that exactly matches your needs.
🛒 1. Your Online Store (CMS Platforms)
🚀 2. Your Transportation Brokers (Shipping Platforms)
🚚 3. Your Shipping Partners
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🎯 Are you new to parcel insurance?
Welcome! Parcel insurance (or Ad Valorem) may seem complex, but we'll simplify the process for you:
Step 1: Understand the Basics
Startwith our basic guide to ad valorem insurance. According to FEVAD, 18 million parcels are lost or damaged each year in France, representing €2.4 billion in value. Appropriate parcel transport insurance is not an option, it is a necessity.
Step 2: Identify Your Profile
- Do you ship fewer than 50 packages per month? You are a small business.
- Between 50 and 500 packages/month? You are a growing SME
- More than 500 packages per month? You are retailer .
Step 3: Consult the Appropriate Section
- Section 1 (CMS): If you are looking for automatic integration
- Section 2 (Transportation Companies): Want to learn more about tech platforms?
- Section 3 (Carriers): If you compare basic offers
- Section 4 (Comparisons): For an objective overview
⚡ Are you optimizing your current parcel shipping insurance?
Already have insurance but looking to improve your costs or coverage? Here's your path:
Analysis of Your Current Situation
- Identify your current solution in Section 3 (Carriers) or Section 2 (Platforms).
- See the dedicated article to understand its specific limitations.
- Use our interactive comparison tool (Section 4) to view the alternatives.
Calculate Your Potential Savings
According toour analysis, retailers standard carrier insurance pay on average 35% too much for coverage that is often limited. A €500 package with DHL costs €15 in insurance (3%) compared to €3.75 (0.75%) with an optimized solution such as Claisy.
Prioritize Your Criteria
- Costs: See the parcel shipping insurance comparison
- Timeframes: Check the reimbursement processes (77 days on average for carriers vs. 48 hours for expert solutions)
- Coverage: Identify exclusions in your current solution
🔧 Are you integrating a new solution?
Ready to take action? Follow this structured process:
Step 1: Identify Your Technical Stack
- Section 1: Find your CMS (Shopify, WooCommerce, PrestaShop, Magento, etc.)
- See the dedicated article to understand the specifics of integration.
- Estimated time: 5 minutes to read
Step 2: Check Your Carriers
- Section 3: List your current carriers
- Ensure compatibility with your future solution
- Identify the limitations of their native insurance policies
Step 3: Compare Intermediary Platforms
Ifyou use Sendcloud, ShipStation , or others (Section 2), check:
- The limitations of their integrated insurance policies
- The possibilities of stacking with an external solution
- The impact on your existing workflow
🎯 Find YOUR Solution in 3 Key Questions
Every retailer unique needs. This matrix helps you quickly identify the solution that best suits your profile.
Question 1: What is your average value per package?
Less than €200 per package
Your Carrier basic insurance Carrier be sufficient to get you started. However, be aware that according to FEVAD, 64% of retailers find themselves underinsured in their first year of growth.
Between €200 and €1,000 per package
Youare in the critical zone where carriers' insurance policies quickly become inadequate: between minimum fixed costs and thresholds, now is the time to optimize.
Over €1,000 per package
Specialized parcel transport insuranceis essential. The solutions offered by standard carriers have their limitations: Limits, compensation delays, etc.
Question 2: What is your monthly volume?
Less than 100 packages/month (very small businesses): Focus on flexibility and simplicity. You don't need complex solutions.
Recommended solution:
- On-demand insurance with no strings attached
- No minimum volume
- Simple and fast interface
Between 100 and 500 packages/month (growing SMEs)The ROI of optimization becomes very significant. Now is the time to automate.
Actual financial impact:
- 300 packages/month × €400 average = €120,000 monthly value
- With carriers: ~$1,440/month (1.2%)
- Avec solution optimisée : ~900€/mois (<0,75%)
- Annual savings: $7,400
Over 500 packages/month (retailer )
Automationis becoming essential. Manual management is no longer viable.
Specific issues:
- Cash flow: Repayment terms impact your cash flow
- Reporting: Need for consolidated dashboards
- Compliance: Automated documentation for audits
Typical solution: Full API integration with your ERP/WMS. Check out our guide to parcel shipping insurance automation.
Question 3: Which sectors of activity?
Fashion and Accessories
Be awareof exclusions! Many carriers limit coverage on:
- Luxury goods (>€500)
- Designer leather goods
- Premium shoes
Recommendation: Always check the terms and conditions, especially the exclusions.
Electronics and High-Tech
High-risk sectorrequiring enhanced coverage - Specific issues:
- High unit values (smartphones, laptops, components)
- Rapid obsolescence (depreciation in case of delay)
- Frequent exclusions by carriers on used electronics
Good to know: DHL and UPS often exclude refurbished smartphones. Check our carrier comparison for details.
Luxury Goods, Jewelry, and Watches
Specialized Ad Valorem solutionsare required. Standard carriers systematically refuse these products - Alternatives:
- Specialized high-value insurance (Claisy: up to €100,000)
- Premium secure transport (Malca-Amit, Brink's)
- Hybrid solutions based on value
Check out our guide to shipping watches and luxury items safely
Professional and Industrial Equipment
High valuesand specific needs - Challenges:
- Medical equipment: Strict regulations, values €20-100K
- Industrial machinery: Specialized transport required
- Spare parts: Critical urgency and availability
Solution: Consult our industrial and medical equipment delivery insurance guide dedicated to these issues.