As a professional, you chose Mondial Relay for one strategic reason: to optimize your shipping costs. But in your quest for savings, have you weighed the risk to your margins and cash flow? Mondial Relay parcel insurance, with its apparent simplicity, is an attractive solution. A little too much so.
This article is not simply a guide to rates. It's a strategic analysis that lifts the veil on the false sense of security provided by Mondial Relay insurance. We'll show you, with figures to back it up, why its Limit and flat-rate structure are dangerous traps for any professional who ships goods worth more than €25. You can also find our 2025 carriers' parcel insurance comparison and the entire ad valorem encyclopedia, with an analysis of CMS offers and logistics solutions.
How does Mondial Relay Parcel Insurance work?
Mondial Relay 's system is based on lump-sum insurance, which means that you are not compensated on the actual value of your goods, but on the basis of a lump sum you choose to insure a parcel.
- Basic Coverage (included): Each shipment via Mondial Relay automatically includes a flat-rate compensation of €25 (incl. VAT) (in the event of lost or damaged parcel). It's a minimum of security, but totally disconnected from the value of most e-commerce transactions.
- Optional Levels of Indemnity: For even greater protection, you can subscribe to one of 5 additional levels of parcel insurance when you create your label.
Mondial Relay Insurance Price Table and Indemnity Levels 2025
On the face of it, the system is simple: but it's precisely this simplicity that masks the risks, despite the excessive cost.
The €500Limit GlassLimit ": The Strategic Limit
The first weakness of the Mondial Relay offer is its absolute Limit : it is impossible to insure a parcel worth more than €500. For any professional selling electronic products, leather goods, works of art or mixed baskets, this limit is prohibitive for insuring parcels.
The €500 Limit is not a detail, it's a strategic barrier. It positions Mondial Relay's offer as a viable solution for low-value goods only. Using this service for higher-value shipments is like playing Russian roulette with your margin.
The Lump Sum vs. Actual Value Insurance Trap
The second weakness is the very structure of the insurance. Being "flat-rate", it exposes you to losses, even for parcels worth less than €500.
Example:
You're shipping an item worth €400. The closest shipping insurance level is Level 4 (€375) or Level 5 (€500).
- If you choose level 4 for €6.50, you underinsure your property and lose €25 in the event of a claim.
- If you choose level 5 for €8.00, you are over-insuring your property and paying for cover you don't need.
This tiered system, unlike true "Ad Valorem" insurance (based on actual value), creates constant friction and forces you to make compromises that impact either your coverage or your profitability.
L'Alternative Stratégique pour les Professionnels : Claisy
Faced with these limitations, a modern Ad Valorem insurance solution like Claisy offers an approach designed for professionals.
- Actual Value Cover: No more tiers. You insure your parcel for its exact value, whether it's lost, damaged or not received. A €400 parcel is insured for €400. No hidden losses
- High Limits : Coverage up to €100,000 and more, allowing you to use the Carrier of your choice, even for your most valuable assets
- Tariff at 0.75%: The cost is a direct percentage of the value, which is mathematically more advantageous than Mondial Relay 's flat rates as soon as the value of the goods increases.
- Extensive coverage: where Mondial Relay imposes restrictions, Claisy covers virtually all goods (luxury, high-tech, etc.) and destinations.
- Standardization of your processes & automation: Point relais is often offered as an option for delivery in addition to home delivery. With Claisy, you're covered at the same rate for parcels delivered at home or at a relay point, and benefit from the same compensation procedure, always within 72 hours. What's more, you can cover them effortlessly thanks to our technology, for example with your CMS.
Conclusion: Stop Suffering Packages, Drive Your Margin
Choosing Mondial Relay insurance for its simplicity means taking a risky gamble on every valuable parcel you send. It's accepting the risk of being subject to a lower Limit and limited coverage.
For a professional, protecting shipments is not a cost, it's an investment in customer satisfaction and sustainable margins. Opting for genuine Ad Valorem insurance means regaining control. It means choosing protection that fits your business, not the other way around.