Asretailer Australia or New Zealand, you ship valuable products every day. But are you really protected? Australia Post NZ Post offer parcel insurance that seems reassuring... until the first major claim.
This guide details the practical limitations of these national solutions and presents you with a professional alternative tailored to the requirements of modern e-commerce: whether you are in Wellington, Perth, Melbourne, Auckland, or Sydney... You can also find our comparison of 2025 carrier parcel insurance policies and the complete encyclopedia on ad valorem with analysis of CMS offers and logistics solutions.
💡 What you will discover:
- Detailed analysis of the actual costs ofAustralia Post NZ Post
- Comparison with a professional ad valorem insurance solution
- Practical guide to optimizing your parcel protection
Australia Post Extra Cover": Analysis of Hidden Costs
Australia Post organizes its parcel insurance around two levels: limited basic coverage and the optional "Extra Cover" for an additional fee.
🔍 Understanding the Offer
- Basic Coverage: Protection for the first AUD 100 in value is provided by default.
- Extra Cover: Above this threshold, a premium isapplied.
- Limit : AUD 5,000
The Australia Post extra cover system Australia Post its price seem simple, but the reality of the shipping insurance offered by the Australian economic giant is formidable.
Concrete examples:
- Package worth AUD$1,000: Insurance cost = AUD$22.50 (2.25% margin reduction)
- Parcel valued at AUD$3,000: Insurance cost = AUD$72.50 (2.4% lower margin)
- Package worth AUD$6,000: Cannot be insured (Limit )
⚠️ Points to watch out for:
- Limit AUD 5,000 Limit automatically excludes luxury goods, art, and certain B2B equipment.
- The list of excluded goods is extensive.
- Costs add up quickly on large volumes
The conclusion is simple: an effective rate of 2.5% of the insured value for Australia Post's offer. Coverage is capped at AUD$5,000, a limit that may be prohibitive for any business shipping high-value goods. And as usual, don't forget to check the items excluded from Australia Post's "extra cover" offer.
NZ Post Apparent Simplicity, Real Limitations
NZ Post takes a different approach with compensation included by default depending on the service chosen.
🚧 The $2,000 NZD Wall
Major issue: No option to insure beyond NZD 2,000
Sectors affected:
- High-end electronics: Computers, premium smartphones, photo/video equipment
- Jewelry: Watches, jewelry, precious stones
- Luxury fashion: Designer bags, premium clothing
- Professional equipment: Specialized tools, measuring instruments
Compensation period: 1 to 2 weeks (faster than many other players, but still restrictive for cash flow)
⚠️ Don't forget: Check the list of excluded products, which may surprise you.
Complete Comparison: National Solutions vs. Professional Ad Valorem Insurance
Faced with the limitations of postal insurers, a specialized ad valorem insurance solution meets the real needs of e-commerce professionals. When directly compared, the limitations of national postal insurance in the two main countries in Oceania pale in comparison to a specialized and comprehensive ad valorem solution such as Claisy.
The Claisy Alternative: Designed for Professionals
Faced with the limitations of traditional solutions, Claisy offers a new approach to parcel insurance, designed for the real needs of modern e-commerce.
📍 Coverage of Oceania with Claisy
Although based in Europe, Claisy insures your shipments to and from Australia and New Zealand under the same favorable conditions as in Europe. Our network of international insurers allows us to offer uniform protection, regardless of your location.