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

Legally, no. But from an economic standpoint, it is essential as soon as the value of your products exceeds €50. The cost of appropriate insurance (0.6% to 1.8%) is always lower than the financial risk of an uncovered loss.

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

No, this is prohibited by law to avoid double compensation. You must choose only one solution. In practice, specialized insurance such as Claisy automatically cancels and replaces that of Carrier.

Mon CMS peut-il gérer des intégrations d'assurance automatiques ?

Yes, most modern CMS platforms such as Shopify, WooCommerce, and PrestaShop offer native connectors (APIs, webhooks) with specialized insurance providers such as Claisy. Installation is usually very quick, taking less than 5 minutes.

Comment puis-je évaluer si mon assurance actuelle est suffisante ?

Try this simple test: analyze your last 10 shipped products and determine how many of them would have been fully covered at their full retail value by your current insurance. If the result is less than 8 out of 10, it's probably time to consider a better solution.

Que faire en cas de litige avec une assurance transport ?

With carrier insurance, the process is often lengthy (30 to 90 days) and the outcome uncertain. With specialized insurance, the process is generally digitized, offers real-time tracking, and aims for resolution in less than a week on average.

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

You should expect to pay between 0.6% and 1.8% of the value you wish to insure. For example, for €100 worth of merchandise, this represents between €0.60 and €1.80. The return on investment is immediate, as a single loss avoided can repay months of insurance premiums.

Best E-commerce Parcel Insurance: 2026 Comparison

The 3 Delivery Insurance Solutions for E-commerce 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	Coverage	Limit Max	Time limit Compensation	Automation	Price from
Claisy	All products High-tech, luxury included	100 000€	48-72h	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 numbers that hurt:

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 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 Genuine 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 Protection 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 Customer 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 connectors save 5-10 hours per week compared to manual management (for stores with less than €100k in monthly revenue). Based on minimum wage, this equates to monthly savings of €200-400.

The Great Comparison 2026: Detailed Analysis of Solutions

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 (or nearly worldwide) geographic coverage	❌ Limits : €500-€50,000 max ❌ Massive exclusions (high-tech, luxury, fragile items, etc.) ❌ Unacceptable delays: 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: Logistics 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 €5,000
Processing time: 5-10 days

Compare with Claisy

📈 nShift

For Large Volumes

Strengths

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

Limits

Complexity for SMEs
High admission price
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 (from 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).

Which Solution 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 one-time risk
Available management time

Solution: Carrier Insurance

📈 Diversified Growth

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

Diverse catalog
Some high-tech products
Time/cost optimization
Important customer experience

Solution: Sendcloud or Claisy

💎 High-Value Expert

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

High-tech, jewelry, electronics
High-value shopping carts (> $1,200)
Zero compromise on coverage
Prompt compensation is crucial

Solution: Claisy Exclusively

🚀 Scale-up Volume

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

Large regular volumes
Mandatory automation
Dedicated logistics team
Optimized ROI per package

Solution: Claisy (SMD connectors)

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

Total Cost Calculation Method

Actual cost = 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

❓ Frequently Asked Questions: E-commerce Shipping 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 insurance?

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

🔍 How can I assess whether my current insurance is sufficient?

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 the event 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 packing materials. If possible, take photos of your packages before shipping.

↩️ 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.

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 parcels manually or import a simple CSV file. Ideal for moderate volumes.

🔌

Free connectors

Integrate Claisy in 1 click with your CMS (Shopify, PrestaShop, WooCommerce...) for 100% automated insurance.

⚙️

API & EDI

For customized needs and deep integration with your WMS or ERP. Our team is at your side.

Contact an expert

Guide written by the Claisy team - Experts in e-commerce transport insurance. Data updated November 2026.

Our key resources

Find all our analyses with our Shipping Insurance Hub:

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