L'assurance transport est-elle obligatoire pour mon e-commerce ?

Legally, no. But economically, it is essential as soon as the value exceeds €50. The cost of appropriate insurance is always lower than the financial risk of an uncovered loss.

Puis-je cumuler l'assurance de mon transporteur avec une assurance specialisee ?

No, this is prohibited by law to avoid double compensation. A specialized insurance policy such as Claisy automatically cancels and replaces that of Carrier.

Mon CMS peut-il gerer des integrations d'assurance colis automatiques ?

Yes, CMS platforms such as Shopify, WooCommerce, and PrestaShop offer native connectors with Claisy. Installation takes less than 5 minutes.

Comment puis-je evaluer si mon assurance expedition actuelle est la meilleure ?

Analyze your last 10 shipments: if fewer than 8 out of 10 are covered at their full sales value including tax, your solution is unsuitable.

Que faire en cas de litige avec une assurance transport ?

With carriers, the procedure takes 30 to 90 days. With a specialist like Claisy, the process is digitized with a resolution in less than a week.

Quel budget dois-je prevoir pour une bonne assurance transport ?

Allow between 0.6% and 1.8% of the insured value. The ROI is immediate from the first claim avoided.

L'assurance couvre-t-elle les envois internationaux ?

Yes, Claisy covers the entire world, except for war zones and areas under economic embargo.

L'emballage a-t-il un impact sur l'indemnisation ?

Absolutely. Inadequate packaging is the primary cause of refusal. Use double-wall cardboard and document your packages with photos.

Les retours clients sont-ils assures ?

It depends on the contract. At Claisy, returns may be covered if they are managed via a shipping label linked to your business account.

Comment se proteger contre la fraude a la non-reception ?

Require delivery against signature for valuable goods. The signed proof is your only legal protection against bad faith.

Best E-commerce Parcel Insurance: 2026 Comparison

The 3 Best Shipping Insurance Solutions in 2026

Quick answer: The best e-commerce parcel insurance policies stand out for their coverage (accepted products), Limits , compensation times, and level of automation. Here is the ranking of insurance policies for parcel delivery in 2026:

Solution	Cover	Limit	Time limit Compensation	Automation	Price from
Claisy	All products High-tech, luxury included	100 000€	48-72 hours	Native CMS	<0,75%
Sendcloud	Standard High-tech/luxury exclusions	5 000€	5-10 days	Manual + API	0.6% Domestic & 1.5% International
Carriers	Very limited Numerous exclusions	€5,000 to €50,000	30-90 days	None	>1%

Synthesis For retailers high-value products or seeking automation, specialized insurance far surpasses the options offered by traditional carriers.

The Hidden Truth: Why 73% of retailers Money on Their Parcel Insurance

You've optimized your website, perfected your product, and won over your customer. A sale is made. But between clicking "ship" and delivery, there's a gray area that threatens your profitability: the transport of your packages.

The painful figures:

On average, 1.2% of packages are lost, stolen, or damaged.
Average cost of a poorly managed dispute: €180 (product + return shipping + time)
73% of retailers use insurance that is unsuitable for their business (Limits, exclusions, etc.).

Worse still: you discover that Carrier ad valorem insurance Carrier an illusion. Limits , multiple exclusions, endless delays... Poor claims management can lead to a 20% drop in customer satisfaction!

Let's stop making assumptions: Choosing your shipping insurance is not just a cost item, it is one of the most powerful levers for your profitability and customer experience.

This guide analyzes the best shipping insurance solutions for e-commerce in 2026. No marketing, just facts, numerical comparisons of parcel insurance, and a clear method for choosing THE solution that's right for your business.

The 4 Non-Negotiable Criteria for True E-Commerce Shipping Insurance

Criterion #1: Product Coverage - Are Your Items REALLY Protected?

The trap of mass exclusions:

Traditional carriers: Systematically exclude high-tech items, jewelry, art, fragile items
General solutions: Accept 60-70% of e-commerce catalogs
Transport specialists: Cover 95-100% of products, including luxury goods and electronics

Practical test: If you sell smartphones, watches, perfumes, or jewelry, check immediately whether your current insurance covers them. In 80% of cases, the answer is no.

Criterion #2: Limits How Far Does Your Parcel Insurance Go?

The reality of e-commerce shopping carts in 2025:

Average e-commerce basket in France: €84 in 2025 (according to FEVAD estimates)
However, 23% of orders exceed €150.
8% exceed €500
2% exceed €1,000

If your insurance has a limit of €500 and you ship a product worth €1,500, you risk losing €1,000 net. Limits (€5,000+) are no longer a luxury, they are a business necessity.

Criterion #3: Speed of Compensation - Will Your Client Wait 3 Months?

Benchmark for actual delays in 2026:

Carriers (Colissimo, Chronopost, DHL): 30 to 90 days
Logistics platforms (Sendcloud, nShift): 5 to 15 days
Transport specialists (Claisy): 48 to 72 hours

Customer impact: A refund within 72 hours allows you to immediately satisfy your customer and reship without impacting your cash flow. Beyond 15 days, 67% of customers consider the service to be failing.

Criterion #4: Automation - Are you wasting 5 hours per week on manual management?

The criterion that separates you from a 2026 version online store:

Level 0 - Full manual: Inbox/email notification, phone follow-up, documents by mail
Level 1 - Basic digital: Web interface for declarations (Google Forms)
Level 2 - API: Technical integration (requires developers)
Level 3 - Native connectors: 1-click installation with CMS installed in less than 5 minutes (Shopify, WooCommerce, PrestaShop, Magento)

Return on investment: Native shipping insurance connectors save 5-10 hours per week compared to manual management (for stores with less than €100k in monthly revenue). Why still request an invoice to justify an ad valorem tax? Based on the minimum wage, this equates to a monthly saving of €200-400.

The Great Comparison 2026: Detailed Analysis of Parcel Insurance

Category A: Transport Insurance (Mandatory Starting Point)

Colissimo, Chronopost, DHL, GLS, UPS, etc.

📊 Analysis: Transport Insurance

Strengths	Major Weaknesses
✅ Included in the shipping process ✅ No additional steps required upon subscription ✅ Worldwide coverage	❌ Limits : €500–€50,000 max ❌ Massive exclusions (high-tech, luxury, fragile items, etc.) ❌ Long reimbursement times : 2-3 months ❌ Compensation based on weight: €23/kg

Verdict : Acceptable uniquement pour des produits de très faible valeur (< 50€) sans enjeu client fort.

Category B: Shipping Platforms with Integrated Parcel Insurance

🎯 Comparison of 2 Market Solutions

Analyze the strengths and limitations of the alternatives to make an informed choice.

☁️ Sendcloud

The Balanced Option

Strengths

Intuitive interface
Native integration with 26 CMS
Extended European coverage

Limits

High-tech and luxury exclusions
Limit of €5,000
Processing time: 5-10 days

Compare with Claisy

📈 nShift

For Large Volumes

Strengths

Advanced multi-carrier tools
Suitable for large volumes (+500 packages)
Negotiation possible on large accounts

Limits

Configuration complexity for SMEs
High entry and maintenance costs
Limited product coverage

Compare with Claisy

Category C: Pure-Player Shipping Insurance Specialists

Claisy - Dedicated Transport Expertise

Unique positioning: 100% focused on shipping insurance, with advanced automation of your delivery insurance without overloading your online store

📊 Analysis: Claisy Solution

Distinctive Strengths	Limits
✅ Universal coverage (high-tech, luxury, etc.) ✅ Limits : €100,000 ✅ Express compensation : 48-72 hours ✅ Connecteurs natifs gratuits (< 5 min) ✅ Transparent pricing (starting at 0.6% under certain conditions)	⚠️ Specialized in transportation only ⚠️ Offer only available to professionals ⚠️ Newer than the logistics giants

Concrete ROI: For a retailer 200 packages/month and an average basket value of €120, Claisy saves €2,000-4,000/year compared to carrier insurance (calculation: avoidance of claims + time savings).

What is the Best Shipping Insurance for Which E-Commerce Profile?

🎯 Which Transport Insurance is Right for You?

Find your ideal solution based on your volumes and product types.

📦 E-commerce beginner

Criteria: < 50 colis/mois • Produits < 100€ • Budget serré

Standard products only
No high-tech or luxury
Accepts a one-time financial risk
Available administrative management time

📈 Diversified Growth

Criteria: 50-500 packages/month • Product mix • Rapid growth

Diversified product catalog
Some high-tech or fragile products
Need for time/cost optimization
Customer experience becomes a priority

Recommended solution: Sendcloud or Claisy

💎 High-Value Expert

Criteria: 100+ packages/month • Products > €1,200 • Quality requirements

High-tech, jewelry, cutting-edge electronics
High average baskets (> $1,200)
Zero compromise on real coverage
Prompt compensation (within 72 hours) is crucial

Recommended solution: Claisy Exclusively

🚀 Scale-up Volume

Criteria: 1,000+ packages/month • Automation • ROI focus

Large regular volumes and complex flows
Automation via API/Connectors
Dedicated logistics and after-sales service team
ROI per package meticulously optimized

Recommended solution: Claisy (CMS integration)

Please don't hesitate to contact us for a customized shipping insurance quote!

ROI Calculation: How Much Does Your Current Parcel Insurance REALLY Cost You?

Total Cost Calculation Method

Actual cost = Shipping insurance premium + Cost of uninsured claims + Management time + Impact on customer satisfaction

Actual ROI: retailer MixTech" retailer

📊 MixTech Customer Profile 300 packages/month • Average order value €180 • 40% high-tech

Carrier Insurance(Hidden Cost)

💸 Monthly bonus

$0 (Included)

❗ Claims payable (Risk)

Up to €900/month (€540-900), excluding high-tech items.

⏱️ Time management (Agent cost)

Approximately $85/month (3 hours of service per month).

❌ Actual Total Cost

Between €615 and €975.
(Premium + Claims + Time)

Claisy Solution(Controlled Cost)

✅ Monthly bonus

€324/month (0.6% rate on €54,000 value).

🛡️ Claims payable

€0. Coverage based on actual value.

⚡ Time management (Agent cost)

Approximately €12/month (0.5 hours of agent time/month).

💰 Actual Total Cost

Exactly €336.
(Premium + €0 Claims + Time)

TOTAL NET SAVINGS: $3,348 - $7,668 per year

Choose THE best shipping insurance

Analyze your profile, compare solutions, and find out how much you could save with insurance tailored to your e-commerce business.

👋

Collaborative Tool

Declare your packages manually or import a simple CSV file. Ideal for moderate volumes.

🔌

Free Connectors

Integrate Claisy into your CMS (Shopify, PrestaShop, WooCommerce, etc.) in just one click for 100% automated insurance.

⚙️

API & EDI

For customized needs and deep integrations with your WMS or ERP. Our team is here to support you.

Get a shipping insurance quote

❓ Frequently Asked Questions: Best E-commerce Parcel Insurance

⚖️ Is shipping insurance mandatory for my e-commerce business?

No, legally speaking. But economically speaking, it is essential as soon as your products exceed €50 in value. The cost of appropriate insurance (0.6-1.8%) is always lower than the risk of uncovered loss.

🔄 Can I combine Carrier insurance Carrier specialized insurance?

No, that is not allowed (double compensation). You must choose one or the other. The rule is that specialized insurance such as Claisy automatically cancels and replaces the Carrier.

🔧 Can my CMS handle automatic parcel insurance?

Most modern CMS platforms (Shopify, WooCommerce, PrestaShop) offer native connectors with specialized insurance providers such as Claisy. Installation typically takes less than 5 minutes.

🔍 How can I assess whether my current shipping insurance is the best?

Simple test: look at your last 10 shipped products. How many would actually be covered at their retail value by your current insurance? If it's less than 8/10, it's time to change.

⚡ What to do in case of a dispute with a transport insurance company?

With carriers, the procedure is lengthy (30-90 days). With specialists such as Claisy, the process is digitized with real-time tracking and resolution within a week on average.

💰 How much should you budget for good transport insurance?

Count between 0.6% and 1.8% of the insured value. For €100 worth of goods, this represents €0.60 to €1.80. The return on investment is immediate: a single loss avoided pays back months of premiums.

🌍 Does the insurance cover international shipments?

Yes, good e-commerce insurance should cover the entire world. However, be aware that war zones and areas under embargo are systematically excluded by all insurers.

📦 Does packaging have an impact on compensation?

Absolutely. Inadequate packaging is the leading cause of compensation claims being denied. Always use new, double-walled cardboard boxes and appropriate padding. Take photos of your packages before shipping if possible.

↩️ Are customer returns insured?

It depends on your contract. Standard insurance covers the outward journey. For return journeys, you often need a specific option or the return must be managed using a label provided by you and covered by your professional contract.

🛡️ How can you protect yourself against non-receipt fraud?

Always request delivery against signature for valuable products. Insurance such as Claisy can cover loss, but signed proof of delivery remains your best legal protection against bad faith.

Guide written by the Claisy team—experts in e-commerce transport insurance.

Our key resources

Find all our analyses with our Shipping Insurance Hub:

Best E-commerce Shipping Insurance 2026: Complete Comparison & Expert Guide