L'assurance "ad valorem", c'est quoi en simple ?

This is actual-value insurance. If you ship a phone worth €500, the carrier's standard insurance is calculated based on weight; for a lightweight parcel, it would only reimburse a few euros. Ad valorem insurance, on the other hand, is designed to compensate you based on the declared value of €500.

C'est comme l'assurance de ma carte bancaire ?

No, not at all. Credit card insurance primarily covers purchases, not commercial shipments. The coverage Limits are low, the deductibles are high, and the policies are unsuitable for business use.

All Parcel Insurance Solutions

Q: Concrètement, comment ça marche ?

It's simple: 1) You declare the value of your shipment (e.g., €800). 2) You pay a premium based on a percentage of that value. In the event of a claim, the reimbursement is based on the declared €800, not on a paltry flat rate.

Q: Est-ce que ça coûte cher ?

No, with Claisy, it's very cost-effective. Unlike carriers' options, true ad valorem insurance is proportional. For a product priced at €100, it costs only a few tens of cents, thereby protecting your profit margin and ensuring customer satisfaction.

Decision-Making Hub · Ad Valorem Insurance

The Parcel Insurance Atlas

Your guide to navigating the ad valorem insurance ecosystem and building the right coverage for your business in 2026.

~1%

Parcels experience an incident every day

77j

Average repayment period for carriers

15×

the cost of an unresolved dispute: up to 15 times the value of the parcel

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Express Compensation

Get your cash back in 48 to 72 hours instead of several months.

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Comprehensive Coverage

Protect all your belongings—including luxury and high-tech items—anywhere in the world.

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Seamless integration

Automate your security without slowing down your website or changing your routine.

How to Use This Hub

Feeling lost in the maze of parcel insurance options? This guide brings together more than 40 analyzed solutions, categorized by use: your store, your brokers, your carriers, your product types, our comparisons, and our country guides. Click on the option that applies to you.

Your Online Store

CMS Platforms · 5 Solutions

Shopify Native cover: $200

WooCommerce Is integration required?

PrestaShop Is this module required?

Adobe / Magento No developer?

Wix Native offer?

Your freight forwarders

Multi-carrier platforms · 6 solutions

Eurosender Watch out for the steps

LetMeShip Several months?

nShift A serious competitor?

Packlink Pro Depends on the Carrier

Sendcloud Excluded Goods

Upela Be aware of the thresholds

Your shipping partners

17 carriers analyzed

DHL High coverage

UPS Max €40,000

FedEx Limited Coverage

Chronopost Max €5,000

Colissimo Max 1,000€

GLS A Complex Journey

Colis Privé Watch out for the steps

Mondial Relay Max €500

PostNL Complex

Bpost High price

Poste Italiane 3 comprehensive offers

Royal Mail One-time option

DPD Little public information

TNT Before FedEx Express

Aramex Max €8,000

Emirates Post Max €2,500

Relais Colis Watch out for the steps

Expert Guides: Packaging by Product

12 guides

🍷 Wines & Spirits €30,000 Guarantee · Labels ⌚ Luxury Watches €100k coverage · replacement · theft 💎 Fine Jewelry Discretion · 48-hour turnaround 🪙 Numismatics All-risk · No deductible 🃏 Lifestyle Collection 100% grade coverage 🪑 Furniture & Decor Actual value · ad valorem 🎨 Works of Art Paintings · Sculptures 🗿 Sculptures Compensation based on a photo 🎸 Instruments No depreciation · actual value 📱 High-tech New · Refurbished · No depreciation 🥄 Fine silver Silver · Vermeil · Lost-wax 👜 Leather Goods Best Warranty · No Depreciation

Your Decision-Making Tools

5 Comparisons

🤼 The Best Ad Valorem Insurance: The Big Showdown Among CarriersFind out who won → 📊 Choose and compare carriers’ parcel insurance plansCompare and decide → 📈 Analysis of parcel insurance on shipping platformsIndependent providers vs. carriers → 🏆 Strategic Analysis: Shipsurance vs. Route.com vs. ClaisyClash of the Titans → ⚙️ Ad valorem quotes for every CMSSimplicity across all your CMSs →

Our Country-Specific Insurance Guides

19 destinations

Germany Australia Austria Belgium Denmark United Arab Emirates Spain Finland Overseas France Ireland Italy Luxembourg New Zealand Norway Netherlands Portugal United Kingdom Sweden Switzerland

Is Your Ad Valorem Strategy Optimal?

Now you know everything there is to know about ad valorem insurance. Protect your cash flow and ensure customer satisfaction. Discover how Claisy’s technology turns transportation risk into a competitive advantage.

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Collaborative Tool

Declare your parcels manually or import a simple CSV file.

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Free Connectors

Integrate Claisy into your CMS with just one click for 100% automated insurance.

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API & EDI

For custom solutions and deep integrations with your WMS or ERP.

Contact an expert

FAQ: Parcel Insurance for Beginners

🤔 What exactly is "ad valorem" insurance, in simple terms?

This is "actual value" insurance. If you ship a phone worth €500, the carrier's standard insurance is calculated based on weight: for a light parcel, it only reimburses a few euros. Ad valorem insurance, on the other hand, is designed to compensate you for the full €500 declared value.

⚙️ In practical terms, how does it work?

It's simple: 1) You declare the value of your shipment (e.g., €800). 2) You pay a premium based on a percentage of that value. In the event of a claim, the reimbursement is based on the declared €800, not on a paltry flat rate.

💸 Is it expensive?

No, Claisy is very cost-effective. Unlike carriers' options, true ad valorem insurance is proportional. For a product priced at €100, it costs only a few tens of cents, thereby protecting your profit margin and ensuring customer satisfaction.

📋 Do I need to prove the value of my shipment?

Yes, always. You must be able to provide proof of the declared value with a sales invoice (for new items) or proof of purchase (for used items). This is essential to receive compensation.

🛡️ Is it like the insurance on my credit card?

No, not at all. Credit card insurance primarily covers purchases, not commercial shipments. The coverage Limits s are low, the deductibles are high, and the policies are unsuitable for business use.

🌐 Can I use it with any carrier ?

Yes, that's one of the major advantages of independent insurance. Whether you use Colissimo, Chronopost, UPS, or another carrier, Claisy works the same way, offering you unified coverage and a streamlined process.

💡 Why isn't my carrier insurance enough?

Because it pays compensation based on weight (amounts that are very low compared to the actual value), includes numerous exclusions (luxury items, high-tech products, etc.), and is slow to pay claims (often taking more than 60 days). Ad valorem insurance is the coverage of choice for professionals.

The 2026 Parcel Insurance Hub