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Parcel Insurance Comparison 2025: Find the Best Protection for Your Shipments
Eric
August 26, 2025
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4
minutes of reading
As an e-commerce or logistics professional, choosing the right parcel insurance can mean the difference between a controlled budget and considerable extra costs. With so many different products to choose from - compare Chronopost, Colissimo, DHL, UPS, FedEx, Royal Mail, USPS - how can you identify the solution best suited to your needs?
Between September and December 2024, more than 3.7 million parcels were lost or damaged in France (according to ecommerce nation), so this interactive carrier comparator lets you analyze in real time the rates, Limits and conditions of each Carrier against specialized solutions like Claisy. More than a simple price calculation, it's a strategic decision-making tool for optimizing your parcel protection.
How our comparator works
Parcel Insurance Comparator | Claisy
CritèresConditions GénéralesTarifs par ValeurProduits CouvertsValeur maximum assuréeTerritorialitéDélai d'indemnisationSimplicité de déclarationTaux d'assuranceCoût pour 500€/$ / 500£Coût pour 2 000€/$ / 2000£Coût pour 5 000€/$ / 5000£Coût pour 10 000€/$ / 10 000£Objets d'occasionLuxe, montres, bijouxHigh tech, smartphoneObjet de collectionNon CouvertCouvertExcluRestrictionsComplexeSimple (3 clics)MoyennePar paliersVeuillez sélectionner au moins un transporteur à comparer avec Claisy.Veuillez sélectionner des transporteurs différents.⏳ Génération du comparatif en cours...⚠️ Points d'attention :Vérifiez toujours les conditions générales avant souscription.Les exclusions produits peuvent rendre l'assurance inutile.Le délai d'indemnisation impacte directement votre trésorerie.*Des remises sont accordées lors de la connexion de votre CMS ou étude de votre dossier.
Parcel Insurance Comparator
Select up to 3 carriers and instantly compare their insurance offers with Claisy's specialized solution.
⏳ Generation of current comparison...
Ready to Simplify Your Insurance?
Discover a solution that protects your margins, your image and delights your customers. Claims in 48-72 hours ⏱️, universal coverage 🛡️, integration in 5 minutes ⚙️.
Select your carriers: Choose up to 3 options from the main market solutions and compare Chronopost, Colissimo, DHL, UPS, FedEx, Royal Mail, USPS with Claisy.
See the differences depending on the value of your parcel: from €500 to €10,000+, visualize the impact on your insurance budget.
Analyze results: actual cost, indemnity Limits , reimbursement periods and main exclusions
Make your decision: Factual information to help you choose the best protection for your business
An analysis of the 2025 ad valorem insurance market reveals major price differences. Where some carriers apply fixed minimums (€12 at DHL and UPS), others offer proportional rates from the first euro. For an e-merchant shipping 100 parcels costing €800 a month, the annual difference can exceed €8,000.
Limits that vary from 1 to 100
Indemnity Limits are often the most costly surprise: €20,000 for Pros (€5,000 for individuals) with Chronopost, Colissimo caps at €1,000, FedEx limits luxury items to $1,000 (~€920), while specialized solutions like Claisy cover your parcels up to €100,000. For professionals in the luxury, art or high-tech sectors, these Limits can make insurance totally unsuitable.
Claims lead times from 48 hours to 90 days
A lost parcel, a damaged parcel: the speed of reimbursement has a direct impact on your cash flow. Our market analysis shows an average delay of 77 days for traditional carriers, compared with 48-72 hours for specialist insurers. For an incident involving a €5,000 parcel, this represents over 2 months' capital immobilization.
Weaknesses: reserved exclusively for professionals, less well known than incumbent carriers
Verdict: Modern alternative optimized for today's e-commerce challenges
Connect your CMS for free in 5 minutes
The real power of automation lies in native integration. Claisy presents itself as a real alternative to insuring your carriers, and plugs directly into the tools that drive your business: Shopify, Prestashop, WooCommerce, etc. The result? Zero effort, zero forgetting, perfect coverage for 100% of your shipments, and a successful migration of your online store (CMS) to Claisy.
❓ Frequently Asked Questions about Shipping Insurance
💎 What is ad valorem insurance?
"Ad valorem" means "according to value". It's an insurance policy that covers the actual declared value of your merchandise, not just a lump sum by weight. It's the only effective protection for valuables, guaranteeing compensation commensurate with the loss incurred.
⚡ What is Claisy's compensation period?
Our commitment is to provide compensation within 48 to 72 hours of validation of your claim. This is up to 20 times faster than carrier standards (30-90 days), allowing you to preserve your cash flow and quickly satisfy your customer.
⚖️ What's the difference between insurance and Carrier liability?
Basic liability (included) is flat-rate and limited (often by weight). Ad valorem insurance (optional) covers the actual declared value of your shipment.
🧮 How do I calculate the real cost of my current insurance?
Actual Cost = (Insurance Rate + Cost of Litigation Processing Time + Value of Uncovered Losses) × Your Monthly Volume.
🔄 Can I change my insurance during shipment?
No, insurance must be taken out when the shipping label is created, before the Carrier takes charge of the shipment.
⏪ Can I retroactively insure a parcel that has already been shipped?
No, the insurance must be taken out before or at the time the parcel is picked up by the Carrier.
Optimize your parcel protection today
Choosing your parcel insurance isn't just a question of cost, it's a strategic trade-off between price, coverage, speed and ease of management. The evidence is clear: specialized solutions outperform carrier insurance on the criteria that matter to modern professionals.
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Collaborative tool
Declare your parcels manually or import a simple CSV file.
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Free connectors
Integrate Claisy into your CMS in 1 click for 100% automated insurance.
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API & EDI
For customized needs and deep integration with your WMS or ERP.
