As an e-tailer in Australia or New Zealand, you ship valuable products on a daily basis. But are you really protected? Australia Post and 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 adapted to the demands of modern e-commerce: whether you're in Wellington, Perth, Melbourne, Auckland or Sydney... You can also find our comparison of carriers' parcel insurance 2025 and the entire ad valorem encyclopedia, with an analysis of CMS offers and logistics solutions.
💡 What you'll discover :
- Detailed analysis of actual costs forAustralia Post and NZ Post
- Comparison with a professional ad valorem insurance solution
- A practical guide to optimizing your parcel protection
Australia Post "Extra Cover": Analysis of Hidden Costs
Australia Post has structured its parcel insurance around two levels: limited basic coverage and the "Extra Cover" paid option.
🔍 Offer deciphering
- Basic coverage: Protection of the first $100 AUD of value is offered by default
- Extra Cover : Beyond this threshold, a premium is applied
- MaximumLimit : $5,000 AUD
The Australia Post extra cover system and its price may seem simple, but the reality of the shipping insurance offered by the Australian economic giant is formidable.
Concrete examples:
- Package at $1,000 AUD: Insurance cost = $22.50 AUD (2.25% less margin)
- 3,000 AUD parcel: Insurance cost = $72.50 AUD (2.4% less margin)
- 6,000 AUD parcel: Impossible to insureLimit exceeded)
⚠️ Points to watch :
- The $5,000 AUD Limit automatically excludes luxury goods, art and certain B2B equipment.
- The list of excluded goods is extensive
- Costs pile up quickly on large volumes
The conclusion is simple: an effective rate of 2.5% of the insured value for the Australia Post offer. Coverage is capped at $5,000 AUD, a limit that can be prohibitive for any company shipping high-value goods. And as usual, don't forget to check which goods are 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 problem: No option to insure above $2,000 NZD
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
Claims processing time: 1 to 2 weeks (faster than many players, but still a cash flow constraint).
⚠️ Don't forget: the list of excluded products may come as a surprise.
Full 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. In direct confrontation, the limitations of the national postal insurers of the two main countries in Oceania explode in the face of a specialized, global ad valorem solution like Claisy.
The Claisy Alternative: Designed for Professionals
Faced with the limitations of traditional solutions, Claisy offers a new approach to parcel insurance, designed to meet the real needs of modern e-commerce.
📍 Oceania coverage with Claisy
Although based in Europe, Claisy insures your shipments to and from Australia and New Zealand with the same advantageous conditions as in Europe. Our network of international insurers enables us to offer uniform protection, whatever your location.