Eurosender: European Shipping Platform
Eurosender has established 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 of up to €200 as standard, with possible extensions up to €5,000.
EuroSender has developed an integrated approach to European shipping, combining ease of use with insurance coverage through its partner ERGO. But does this solution truly meet the needs of retailers ? 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 of its additional coverage. This collaboration offers clear advantages:
🤝 Partnership Structure
- Principal insurer: ERGO (Allianz Group)
- Geographic coverage: Europe and worldwide
- Types of services: Standard parcels, express parcels, freight
- Claims management: Standardized ERGO process in conjunction with the Carrier
This model allows Eurosender to offer structured insurance without developing its own expertise, but also creates a dependency on the conditions and processes of the partner insurer.
Basic Coverage: $200 per Package
According to Eurosender's official documentation, most shipments include automatic basic coverage:
Basic Insurance Included:
- Amount: Up to €200 per package
- Services covered: Standard, Express, certain specialized services
- Cost: Included in the transportation price
- Coverage: Loss, theft, damage in transit
This basic coverage, while valuable, remains limited for many retailers products worth more than €200.
Eurosender Parcel Insurance Analysis
Eurosender Insurance Rates
Eurosender offers additional insurance coverage through ERGO with fixed tiers:
Please note: The fixed tier structure can be costly for intermediate values. A package costing €800 will incur a charge of €12.99 (1.6% effective), while a package costing €999 will incur the same charge (1.3% effective).
Important Limitations and Exclusions of Parcel Insurance
Eurosender insurance has several significant restrictions:
Product Exclusions
- Valuables: Jewelry, watches, precious metals explicitly excluded
- Fragile items: Not covered if packaging is inadequate according to ERGO criteria
- Perishable goods: Food, plants, organic products
- Prohibited items: Extensive list of unauthorized products
List of restricted and prohibited products
Restrictive Conditions
Mandatory Conditions:
- Cardboard packaging: Mandatory even for suitcases/luggage
- Proof of value: Invoices/receipts required for compensation
- Multiple packages: Insurance per package, not overall
- Reporting deadlines: Strict procedures to be followed
Avoid refusals due to faulty packaging with the Eurosender guide
Comparative Analysis of Eurosender Parcel Insurance: Strengths and Weaknesses
Advantages of the Eurosender System
Comparison Between Eurosender Insurance and Claisy
Claims Process
Claims management follows standard ERGO procedures:
ERGO process:
- Initial investigation: Timeframes vary depending on complexity
- Required documentation: Invoices, photos, carrier reports
- Final approval: Decision by the insurer based on its internal criteria
- Reimbursement: Standard insurance processing times (15-45 days) - please note: this period may be extended depending on the outcome of the investigation.
Expert Alternative: Universal Parcel Insurance
Independent vs. Integrated Approach
Faced with the structural limitations of Eurosender, independent parcel insurance offers a different approach:
🎯 Expert Solution Benefits
- Freedom of choice of carriers: Eurosender, DHL, UPS, or others
- Proportional pricing: 0.75% vs. fixed tiers (25% or more savings)
- Limits : €100K vs. €5K maximum
- Express processing: 48 hours vs. ERGO deadlines
- Universal coverage: All products accepted
Integration with Eurosender
An expert solution can be used in addition to Eurosender:
- Logistics storage: Keep Eurosender for its shipping rates
- Insurance optimization: Specialized solution for superior coverage
- Unified reporting: Centralized management of all carriers
- Scalability: Independence for future growth
Conclusion: Eurosender, an integrated ad valorem solution with clearly defined limits
Eurosender offers a convenient approach to European shipping with integrated insurance coverage through ERGO. For retailers mainly products valued at less than €200, the included basic insurance represents a significant benefit at no additional cost.
However, the analysis reveals significant structural limitations:
- RestrictiveLimit for high-value products
- Penalizing tiered pricing on intermediate values
- Extended exclusions on important categories (jewelry, fragile items, etc.)
- Platform dependency limiting logistical flexibility
For growing businesses that regularly sell products exceeding €200, require carrier flexibility, or operate in sectors with exclusions (premium fashion, electronics, art), an independent delivery insurance solution quickly becomes more effective.
The optimal approach is often to assess your actual needs: Eurosender is ideal for start-ups or standard products, but the transition to an expert solution naturally accompanies the upscale development and internationalization of e-commerce activities.
Appendices:
Case Study: Impact on Different E-commerce Profiles
Eurosender's Operational Challenges
Platform Dependency
Using Eurosender creates operational dependency:
- Carrier Limited to the Eurosender network
- Linked pricing: Insurance conditional on transportation use
- Limited scalability: Difficult to change logistics without losing insurance coverage
- Complex negotiation: No separation of transportation and insurance