.jpg)
The 3 Best Transport Insurance Solutions for E-commerce in 2025
Quick answer: The best e-commerce parcel insurances are distinguished by their coverage (products accepted), reimbursement Limits , claims lead times and level of automation. Here are the 2025 rankings:
Synthesis : For e-tailers selling high-value products or seeking automation, specialized insurance far outstrips the options offered by traditional carriers.
Hidden Reality: Why 73% of e-retailers lose money on parcel insurance
You've optimized your site, perfected your product, won over your customer. A sale is made. But between the "send" click and delivery, there's a grey area that threatens your profitability: the transport of your packages.
The numbers that hurt:
- 1.2% of packages are lost, stolen or damaged on average
- Average cost of a poorly managed dispute: €180 (product + reshipment + time)
- 73% of e-tailers use insurance unsuited to their business
Worse: you discover that your Carrier ad valorem insurance is an illusion. Derisory Limits , multiple exclusions, interminable delays... Poor claims management can lead to a 20% drop in customer satisfaction.
Let's stop the guesswork. The choice of your transport insurance is not a cost line, it's one of the most powerful levers for your profitability and your customer experience.
This guide analyzes the best transport insurance solutions for e-commerce in 2025. No marketing, just facts, figures and a clear method for choosing THE right solution for your business.
The 4 Non-Negotiable Criteria of Genuine e-Commerce Shipping Insurance
Criteria #1: Product coverage - Are your products REALLY protected?
The trap of mass exclusion:
- Traditional carriers: Systematically exclude high-tech, jewelry, art, fragile products
- General-purpose 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.
Criteria #2: Limits - How far does your protection go?
2025 e-commerce basket reality:
- Average e-commerce basket France: €68
- But: 23% of orders exceed €150
- 8% over €500
- 2% over €1,000
If your insurance is capped at €500 and you ship a product for €1,500, you risk losing €1,000 net. High Limits (€20,000+) are no longer a luxury, they're a business necessity.
Criteria #3: Speed of compensation - Does your customer wait 3 months?
Benchmark of actual lead times 2025 :
- 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 72-hour refund allows you to satisfy your customer immediately and reship without impacting your cash flow. After 15 days, 67% of customers consider the service to be faulty.
Criterion #4: Automation - Are you losing 5 hours a week to manual management?
The criterion that separates 2024 from 2025:
Level 0 - Total manual: Paper declaration, telephone follow-up, parts by mail
Level1 - Digital basic: Web interface for declarations
Level2 - API: Technical integration (requires developers)
Level3 - Native connectors: 1-click installation with CMS(Shopify, WooCommerce, PrestaShop, Magento)
Return on investment: Native connectors save 5-10h/week vs. manual management. Based on a minimum wage, this equates to a monthly saving of 200-400€.
Le Grand Comparatif 2025: Detailed Analysis of Solutions
Category A: Carrier Insurance (Mandatory Departure Point)
Representatives : Colissimo, ChronopostDHL, GLS, UPS, ...
Verdict : Acceptable uniquement pour des produits de très faible valeur (< 50€) sans enjeu client fort.
Category B: Logistics Platforms with Integrated Insurance
Category C: Pure-Players Expedition Specialists
Claisy - Dedicated transport expertise
Unique positioning: 100% focused on transport insurance, with advanced automation
Concrete ROI: For an e-merchant with 200 parcels/month and an average shopping basket of €120, Claisy saves €2,000-4,000/year vs. carrier insurance (calculation: claims avoidance + time savings).
Which solution for which e-Commerce profile?
ROI Calculator: How much does your current parcel insurance REALLY cost?
Total Cost Calculation Method
Real cost = Insurance premium + Cost of claims not covered + Management time + Customer satisfaction impact
Guide written by the Claisy team - Experts in e-commerce transport insurance. Data updated March 2025.
Our key resources
Find all our analyses with our Atlas on shipping insurance:
Our article on Sendcloud parcel insurance
Our article on Packlink Pro parcel insurance
Our article on nShift parcel insurance