For any company shipping to or from Italy (Milan, Turin, Rome, Naples, Palermo, etc.), Poste Italiane is a key logistics player. But when it comes to protecting your goods, the range of insurance options can quickly become a headache. Between the different offers, deductibles and claims processes, how can you be sure you're really and effectively covered?
This 2025 strategy guide goes far beyond mere description. We'll dissect Poste Italiane's three main insurance offerings with expert precision. We'll reveal their pricing structure, their Limits, their hidden conditions and the true compensation route. By comparing them with a specialized, modern solution like Claisy, we'll arm you with the knowledge you need to navigate this complexity and choose the protection that really serves your interests. You can also find our comparison of carriers' parcel insurance 2025 and the entire ad valorem encyclopedia, with an analysis of CMS offers and logistics solutions.
Poste Italiane's three parcel insurance offers: a labyrinth to decipher
Unlike many carriers, Poste Italiane offers not 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 franchise package
This option seems to be designed for relative simplicity, but hides a major drawback.
- Use: Parcel shipments in Europe
- Cost: A one-off charge of €5.68 per parcel
- Limit : Up to €3,500
- Le Point Critique: A systematic deductible of 10% (with a minimum of €26) is deducted from your compensation. For a €500 parcel lost, you will only receive €450. So you suffer a total loss, even if you're insured.
2. Poste Delivery International Standard: complex bearings
Intended for worldwide shipments, this offer adopts a tiered pricing system.
- Use: worldwide parcel delivery
- Cost: A rate that increases in increments of value (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 offering is mainly aimed at the Italian domestic market.
- Use: Valuable shipments and important documents in Italy
- Cost: A complex structure (€2.60 basic + €1.80 per €50 increment)
- Limit : Up to €5,000
- Le Point Positif: No deductible, which makes it more protective, but its use is geographically very limited.
The true cost of protection: the impact of the deductible
The 10% deductible applied to both international offers is a major competitive disadvantage. It guarantees that the shipper will never be compensated for 100% of his loss.
Exclusions and the compensation process: +90-day waiting period
Navigating Poste Italiane's claims process requires patience.
- Exclusions: Each service has its own list of exclusions. Generally speaking, precious objects (jewelry, silver), works of art and other specific goods are excluded.
- Second-hand goods (beni usati): The coverage policy for second-hand 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 made via a file to be filled in manually and sent by e-mail. There is no real-time tracking portal, making the process opaque.
- The compensation deadline: This is the most critical point. Poste Italiane reports a delay of 30 days after validation of their internal investigation. As the duration of this investigation is not guaranteed (usually more than 60 days...), the average total time before receiving compensation is estimated at more than 90 days.
Poste Italiane vs. Claisy: simplicity versus complexity
Faced with this maze of offers, conditions and franchises, a specialized, transparent solution like Claisy offers a striking contrast.
Case studies: what impact for your business?
Let's take a look at some concrete examples to illustrate these differences.
Conclusion: Poste Italiane, a complex and costly insurance policy for professionals
Poste Italiane's insurance offer (and price), broken down into three distinct products, is a real obstacle course for professionals looking for simple, effective protection.
Its structural weaknesses are major risks for your business:
- Complexity that forces you to choose between three offers with different rules
- A systematic 10% deductible on international shipments, guaranteeing financial loss
- LowLimits (€3,500 internationally) unsuitable for valuable goods
- Claims processing times of over 90 days, putting a heavy strain on your cash flow
- An archaic and opaque claims process
In this context, the radical simplicity of an ad valorem solution like Claisy is obvious. With a unique shipment protection offer, an actual rate with no hidden deductible, high Limits and compensation within a few days, Claisy transforms stress insurance into a real performance tool to protect your domestic and international shipments, with confidence and peace of mind.