EuroSender : European Shipping Platform
EuroSender is establishing itself as a popular solution for European shipping, offering standard services with basic insurance included and additional insurance options via ERGO. The platform promises coverage up to €200 basic and possible extensions up to €5,000.
EuroSender has developed an integrated approach to European shipping, combining ease of use with insurance coverage via its partner ERGO. But does this solution really meet the needs of modern e-tailers? This 2025 analysis guide takes a detailed look at the EuroSender insurance system, its advantages, limitations and the optimized alternatives available.
How EuroSender Insurance works
The ERGO Partnership: Leading insurer
EuroSender has partnered with ERGO, a leading German insurance group, to manage all its additional coverage. The benefits of this collaboration are clear:
🤝 Partnership structure
- Main insurer : ERGO (Allianz group)
- Geographic coverage: Europe and international
- Types of service: Standard, express, freight parcels
- Claims management: Standardized ERGO process
This model enables EuroSender to offer structured insurance without developing its own expertise, but also creates a dependency on the partner insurer's conditions and processes.
Basic Coverage: €200 per Package
According to official EuroSender documentation, most shipments include automatic basic coverage:
Basic insurance included :
- Amount : Up to €200 per parcel
- Services covered: Standard, Express, certain specialized services
- Cost: Included in transport price
- Coverage: Loss, theft, damage in transit
This basic coverage, while appreciable, remains limited for many e-tailers shipping products worth over €200.
Analysis of ERGO Additional Insurance
Tiered pricing structure
EuroSender offers an additional insurance grid via ERGO with fixed tiers:
Please note: the fixed-tier structure can be costly for intermediate values. A €800 parcel will pay €12.99 (1.6% effective) while a €999 parcel will pay the same rate (1.3% effective).
Important Limitations and Exclusions
EuroSender/ERGO insurance has several significant restrictions:
Product exclusions
- Valuables: Jewellery, watches, precious metals explicitly excluded
- Fragile items: Not covered if inadequate packaging according to ERGO criteria
- Perishables: Food, plants, organic products
- Prohibited items: Extensive list of unauthorized products
Restrictive conditions
Mandatory conditions :
- Cardboard packaging: Mandatory even for suitcases/luggage
- Proof of value: Invoices/receipts required for compensation
- Multiple parcels: Insurance per parcel, not overall
- Declaration deadlines: Strict procedures to be followed
Comparative analysis: Strengths and weaknesses
Advantages of the EuroSender system
Comparison between EuroSender Assurance and Claisy
Claims process via ERGO
Claims handling follows standard ERGO procedures:
ERGO process:
- Initial investigation: Variable lead times depending on complexity
- Documentation required: Invoices, photos, carrier reports
- Final validation: ERGO decision based on internal criteria
- Reimbursement : Standard insurance terms (15-45 days)
Expert Alternative: Universal Insurance
Independent vs. integrated approach
Faced with the structural limitations of EuroSender, independent parcel insurance offers a different approach:
🎯 Advantages Expert Solution
- Free choice of carriers: EuroSender, DHL, UPS, or others
- Proportional pricing: 0.75% vs. fixed tiers
- ExtendedLimits : €100K vs €5K maximum
- Express processing: 48 hours vs. ERGO lead times
- Universal coverage: All products accepted
Integration with EuroSender
An expert solution can be used to complement EuroSender :
- Logistics storage: Keep EuroSender for its transport rates
- Insurance optimization: Specialized solutions for superior coverage
- Unified reporting : Centralized management for all carriers
- Scalability: Independence for future growth
Conclusion: EuroSender, an integrated solution with well-defined limits
EuroSender offers a practical approach to European shipping with integrated insurance coverage via ERGO. For e-tailers shipping mainly products under €200, the included basic insurance represents a significant advantage at no additional cost.
However, the analysis reveals significant structural limitations:
- Restrictive €5KLimit for high-value products
- Tiered pricing penalizes intermediate values
- Extended exclusions for important categories (jewelry, fragile items, etc.)
- Platform dependence limits logistics flexibility
For growing companies that regularly sell products in excess of €200, require carrier flexibility, or operate in sectors with exclusions (premium fashion, electronics, art), an independent insurance solution quickly becomes more effective.
The best approach is often to assess your real needs: EuroSender is perfectly suited to beginners or standard products, but upgrading to an expert solution naturally accompanies the move upmarket and internationalization of e-commerce activities.
Appendices :
Case study: Impact on different e-commerce profiles
EuroSender's operational challenges
Dependency Platform
Using EuroSender creates an operational dependency:
- Carrier : Limited to the EuroSender network
- Linked pricing: Insurance conditional on transport use
- Limited scalability: difficult to change logistics without losing insurance
- Complex negotiation: No transport/insurance separation
Sources and references :
- EuroSender - Shipping Insurance Overview
- EuroSender - Freight Transport Insurance
- EuroSender - Additional Insurance Options
- EuroSender Blog - Shipping Insurance Guide
- ERGO Group - Insurance Solutions