The 3 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:
| Coverage |
Limit Max |
Time limit Compensation |
Automation |
Prices from |
| Claisy |
All products
High-tech, including luxury |
100 000€ |
48-72h |
CMS Native |
<0,75% |
| Sendcloud |
Standard
High-tech/luxury exclusions |
20 000€ |
5-10 days |
Manual + PLC |
0.6% Domestic & 1.5% International |
| Transporters |
Very limited
Numerous exclusions |
5 000€ |
30-90 days |
No |
>1% |
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-merchants 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)
Colissimo, Chronopost, DHL, GLS, UPS, ...
Analysis: Carrier insurance
- ✓ Included in the subscription
- ✓ No additional steps
- ✓ Worldwide geographic coverage
|
- ✗ Ridiculous Limits : 500-5,000€ max
- ✗ Massive exclusions (high-tech, fragile...)
- ✗ Unacceptable lead times: 2-3 months
- ✗ Compensation by weight: €23/kg
|
Verdict : Acceptable uniquement pour des produits de très faible valeur (< 50€) sans enjeu client fort.
Category B: Logistics Platforms with Integrated Insurance
Forces
- Intuitive interface
- Native integration with 26 CMS
- Extended European coverage
Limits
- High-tech and luxury exclusions
- Limit to €20,000
- Processing time: 5-10 days
Forces
- Advanced multi-carrier tools
- Good for high volumes (500+ parcels/month)
- Trading possible on large accounts
Limits
- Complexity for SMEs
- High entry price
- Limited product coverage
Category C: Pure-Players Expedition Specialists
Claisy - Dedicated transport expertise
Unique positioning: 100% focused on transport insurance, with advanced automation
Analysis: Solution Claisy
- ✅ Universal coverage (high-tech, luxury...)
- ✅ High Limits : €100,000
- ✅ Express compensation: 48-72h
- ✅ Connecteurs natifs gratuits (< 5 min)
- ✅ Transparent pricing (from 0.6%)
|
- ⚠️ Specialized in transport only
- ⚠️ Offer only available to professionals
- ⚠️ Newer than the logistics giants
|
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?
📦 Beginner E-commerce
Criteria : < 50 colis/mois • Produits < 100€ • Budget serré
- Standard products only
- No high-tech or luxury
- Accept occasional risk
- Available management time
Solution: Carrier Insurance
📈 Diversified Growth
Criteria: 50-500 parcels/month - Product mix - Rapid growth
- Diversified catalog
- Some high-tech products
- Time/cost optimization
- Extensive customer experience
Solution: Sendcloud or Claisy
💎 Expert High-Value
Criteria: 100+ parcels/month - Products > €1,200 - Quality requirements
- High-tech, jewelry, electronics
- Large baskets (> €1,200)
- Zero compromise on coverage
- Crucial rapid compensation
Solution: Claisy Exclusively
🚀 Scale-up Volume
Criteria: 1000+ parcels/month - Automation - ROI focus
- Regular large volumes
- Compulsory automation
- Dedicated logistics team
- Optimized ROI per package
Solution: Claisy (CMS connectors)
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
Real ROI: MixTech e-merchant
Carrier Insurance(Hidden Cost)
💸 Monthly bonus
0 € (Included)
❗ Claims incurred (Risk)
Up to €900/month (€540-900), excluding High-Tech.
⏱️ Management time (Agent cost)
Approx. €75/month (3h agent/month).
❌ Total Actual Cost
Between €615 and €975.
(Premium + Claims + Time)
Solution Claisy(Controlled Cost)
✅ Monthly bonus
324/month (0.6% rate on €54,000 value).
🛡️ Claims incurred
0 €. Fair value hedging.
⚡ Management time (Agent cost)
Approx. €12/month (0.5h agent/month).
💰 Actual total cost
Exactly €336.
(Premium + 0€ Claims + Time)
TOTAL NET SAVINGS: €3,348 - €7,668 per year
❓ Frequently Asked Questions : E-commerce transport insurance
⚖️ Is transport insurance compulsory for my e-commerce business?
Not legally. But economically, it's 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 with specialized insurance?
No, this is forbidden (double compensation). You must choose one or the other. The rule: specialized insurance like Claisy automatically cancels and replaces Carrier's.
🔧 Can my CMS manage automatic insurance?
Most modern CMS (Shopify, WooCommerce, PrestaShop) offer native connectors to specialized insurance providers like Claisy. Installation generally 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 of them would actually be covered at their sale value by your current insurance? If it's less than 8/10, it's time for a change.
⚡ What should I do if I have a dispute with a transport insurance company?
With carriers, the procedure is lengthy (30-90 days). With specialists like Claisy, the process is digitized, with real-time tracking and resolution within a week on average.
💰 How much should you budget for transport insurance?
Allow between 0.6% and 1.8% of the insured value. For €100 of merchandise, this represents €0.60 to €1.80. The return on investment is immediate: a single loss avoided repays months of premiums.
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.
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
Our article on Royal Mail parcel insurance
Our article on Shopify shipping insurance
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