For any company shipping to or from Italy (Milan, Turin, Rome, Naples, Palermo, etc.), Poste Italiane a key logistics player. But when it comes to protecting your goods, the range of insurance options can quickly become a headache. With different offers, deductibles, and claims processes, how can you be sure you are truly and effectively covered?
This 2026 strategic guide goes far beyond a simple description. We will dissect Poste Italiane's three main insurance offerings with expert precision. We will reveal their pricing structure, their Limits, their hidden conditions, and the real compensation process. By comparing them with a specialized, modern solution like Claisy, we will equip you with the knowledge you need to navigate this complexity and choose the protection that truly serves your interests. You can also find our comparison of 2025 carrier parcel insurance policies and the complete encyclopedia on ad valorem with analysis of CMS offers and logistics solutions.
Poste Italiane 's three parcel insurance offers Poste Italiane a maze to unravel
Unlike many carriers, Poste Italiane offers Poste Italiane one, but three distinct insurance solutions, each with its own rules, rates, and use cases. Understanding this structure is the first step in avoiding costly mistakes.
1. Poste Delivery Europe: the European flat rate with excess
This option appears to be designed for relative simplicity, but hides a major drawback.
- Usage: Parcel shipments within Europe
- Cost: A single flat rate of €5.68 per package
- Limit Up to €3,500
- The Critical Point: A systematic deductible of 10% (with a minimum of €26) is deducted from your compensation. For a lost package worth €500, you will only receive €450. You therefore suffer a net loss, even if you are insured.
2. International Standard Delivery: complex bearings
Intended for worldwide shipments, this offer adopts a tiered pricing system.
- Usage: Worldwide parcel delivery
- Cost: A rate that increases in increments (e.g., $7.90 up to $500, $15 up to $1,000, etc.)
- Limit Up to €3,500
- The Critical Point: The same 10% deductible (min. $26) applies, systematically reducing your final reimbursement.
3. Posta Assicurata: the traditional option for Italy
This historic offer is mainly intended for the Italian domestic market.
- Usage: Sending valuable items and important documents to Italy
- Cost: A complex structure (€2.60 base fee + €1.80 per €50 increment)
- Limit Up to €5,000
- The positive point: No deductible is announced, which makes it more protective, but its use is very limited geographically.
The true cost of protecting your shipments: the impact of deductibles
The 10% deductible applied to both international offers is a major competitive disadvantage. It ensures that the sender will never be compensated for 100% of their loss.
Parcel insurance exclusions and the compensation process: +90-day waiting period
Navigating the Poste Italiane claims process Poste Italiane patience.
- Exclusions: Each service has its own list of exclusions. In general, valuable items (jewelry, silver), works of art, and other specific goods are excluded.
- Used goods (beni usati): The coverage policy for used goods is not clearly specified, leaving room for uncertainty in the event of a claim.
- The claims process: The experience is far from modern. Claims are filed using a form that must be filled out manually and sent by email. There is no real-time tracking portal, which makes the process opaque.
- Compensation timeframe: This is the most critical point. Poste Italiane that compensation will be paid within 30 days of the completion of their internal investigation. As the duration of this investigation is not guaranteed (generally exceeding 60 days), the average total timeframe before receiving compensation is estimated to be more than 90 days.
Comparison Poste Italiane Claisy: simplicity versus complexity
Faced with this maze of offers, conditions, and deductibles, a specialized and transparent solution like Claisy offers a striking contrast.
Scenarios: what impact will this have on your business?
Let's analyze some real-life examples to illustrate these differences and how you can optimize your logistics.
Conclusion: Poste Italiane, a complex and costly parcel insurance policy for professionals
Poste Italiane 's insurance offering Poste Italiane and its price), split into three separate products, proves to be a real obstacle course for professionals seeking simple and effective protection.
Its structural weaknesses pose major risks to your business:
- A complexity that forces you to choose between three offers with different rules
- A systematic 10% discount on international shipments, which guarantees a financial loss.
- Limits (€3,500 internationally) unsuitable for valuable items
- Compensation delays of more than 90 days, which severely impact your cash flow
- An outdated and opaque complaint process
In light of this, an alternative to Poste Italiane in the form of Claisy, a radically simple ad valorem solution that stands out as a Poste Italiane than credible alternative to Poste Italiane . With a unique shipment protection offering, a real-time rate with no hidden deductibles, Limits , and compensation within a few days, Claisy transforms compulsory insurance into a real performance tool to protect your domestic and international shipments, providing confidence and peace of mind.