Relais Colis , 2026 Insurance - Analysis: Price, Limits, exclusions, comparison

Louise
•
6
reading time
Published on
November 3, 2025
•
Updated on
August 11, 2026
Relais Colis x Claisy Insurance

Relais Colis has continued to grow since its acquisition by the Walden Group in 2022 and has established itself as a major player in pickup-point delivery for businesses in France, with a network exceeding 10,000 pickup points as of 2024 and more than 45 million packages delivered in 2025. Relais Colis specifically targets small and medium- retailers s with a promise of flexibility and local service.

In late May 2026, GLS finally announced the acquisition of Relais Colis.

But when it comes to protecting valuable packages, the insurance offered by Relais Colis —known as the “Option Zen”—quickly reveals certain structural limitations. Between a rigid tiered pricing system, a Limit cap of €5,000, and numerous exclusions (high-tech items, jewelry, watches), many professionals discover after a Dispute delivery that this insurance does not meet their actual needs.

This guide provides an in-depth analysis of " Relais Colis " insurance: detailed rates, specifics on exclusions, and the opaque claims process. You’ll also discover modern alternatives for retailers. You can also check out our comprehensive comparison of package insurance options and our Ad Valorem encyclopedia.

Relais Colis : Positioning and Networking

A Rapidly Growing Player

Relais Colis has experienced spectacular growth in recent years, according to E-commerce Mag, and expects to have more than 11,000 pickup locations by 2026. This growth over the past two years represents nearly a twofold increase:

  • 6,500 pickup locations in February 2023
  • 8,000 points in the summer of 2023
  • 9,000 points by the end of 2023
  • More than 10,000 points since 2024

This growth of nearly 50% in one year positions Relais Colis as a serious competitor to Mondial Relay (~11,000 locations) and the Pickup network (13,000 locations operated by La Poste Group).

Focus on B2C Professionals

Unlike Mondial Relay , which targets both individuals and professionals, Relais Colis focuses exclusively on professionals in the B2C (business-to-consumer) sector. This specialization is reflected in:

  • Dedicated tools: new professional website, e-commerce modules, specialized customer service
  • A pickup service through a partnership with Ciblex (B2B express delivery)
  • Strategic Partnerships: 400 Auchan self-checkout kiosks, collaboration with Quadient

Relais Colis 's "Option Zen" Insurance: A Detailed Analysis

How the Zen Option Works

Relais Colis 's insurance covers accidental damage or loss of goods during transport, as specified in the official IPID (Information Product Insurance Document) issued by the insurer.

Basic coverage:

  • €20 automatically included in the event of a lost package (without the option)
  • Paid "Zen" option for orders over €100
  • Compensation based on the invoice amount or proof of purchase provided

Relais Colis Insurance Awards

Relais Colis 's pricing system operates in predefined value tiers, according to the official FAQ at Relais Colis:

Declared Value Zen Plan Rates Effective Rate
Up to 50€2,50€0%
€51–€1003,80€1.67% - 2.50%
€101–€1505,20€1.43% - 3.31%
€151–€3509,50€1.43% - 3.31%
€351–€50011,50€1.20% - 1.71%
€501 - €75015,50€1.00% – 1.50%
€751 - €1,00018,50€0.95%–1.27%
€1,001 - €2,50026,00€0.50% - 1.25%
€2,501 - €5,00036,50€0.35% - 0.70%

Source: IPID Relais Colis (current version)

⚠️ CRITICAL ANALYSIS OF THE STAGE-BASED SYSTEM

The tiered system creates significant pricing distortions:

  • Package costing €350: Pay €9.50 (or 2.71% of the shipped amount)
  • Package costing €351: pay €11.50 (or 3.27% of the shipment value) → a 20% rate increase for a 0.3% increase in value
  • €500 package: pay €11.50 (2.30% of the shipped amount)
  • Package costing €501: pay €15.50 (or 3.09% of the shipped amount) → a 30% increase in the rate for a 0.2% increase in value

These rate jumps artificially penalize certain amounts and make it harder to forecast budgets for retailers

Limit Maximum Package Insurance Coverage: €5,000

The coverageLimit is strictly limited to €5,000 per package, according to the documentation from Relais Colis , the official insurance provider.

Impact on professionals:

  • E-commerce: MacBook Pro, servers, equipment over €5,000 = total overdraft
  • Premium Fashion: Luxury coats, designer bags, collections priced at over €5,000 = risk not covered
  • Designer Furniture: Exceptional Pieces, High-End Furniture = Financial Exhibition
  • Professional equipment: Tools, machinery, specialized equipment >€5,000 = insufficient coverage

This €5,000 insurance limit puts Relais Colis on par with Colissimo B2B (€5,000), but falls far short of the actual needs of the premium and B2B markets.

Major Exclusions: Products Not Covered

According to the official IPID document, the following items are systematically excluded from any coverage under Relais Colis.

🚫 Exclusions Relais Colis Insurance

💻

High-Tech

  • Laptops
  • Cell Phones
  • Latest smartphones
  • Tablets & Consoles
💎

Luxury & Value

  • Jewelry & Gemstones
  • Fine Watchmaking
  • Fur & Art
  • Sculptures & Paintings
  • Collectibles
💰

Finance

  • Banknotes
  • Securities
  • Gift Certificates
  • Securities & Coupons
  • Smartbox / Wonderbox
⚠️

Other

  • Tobacco & Cigarettes
  • Liquid products
  • Perishable goods
  • Motorcycles & Scooters
  • Identification documents

Check out our guide to insuring high-value shipments of up to €100,000 per package to discover the right solutions for these industries.

Claims Process: Lack of Transparency and Lengthy Duration

Strict Filing Deadline

According to the IPID document for the insurance policy Relais Colis, the insured must:

  • Report the claim within 3 days of becoming aware of it
  • Provide all necessary supporting documents
  • Take all necessary measures to limit the damage

Required Documents (Non-Exhaustive List)

Although not specified in detail, practical experience shows that parcel delivery insurers generally require:

  • Proof of Filing Relais Colis
  • Invoice for the purchase of the shipped item
  • Photos before shipment (packaging + contents)
  • Photos of the damage if the package is damaged
  • Affidavit
  • Written correspondence with Relais Colis
  • Potentially: independent appraisal for high-value items

Refund Period

Although not officially disclosed by Relais Colis, feedback from the field indicates that processing times are often considered long but are in line with industry standards for insurance policies managed by external third parties.

Comparison: Relais Colis Insurance and Mondial Relay Insurance

Comparison Table of Pickup Locations

Criterion Relais Colis Mondial Relay
Network10,000+ points17,000 points (including lockers)
Target AudienceB2C ProfessionalsIndividuals + Businesses
Limit insurance5 000€€500 (standard)
Insurance RatesPrice ranges: €2.50–€36.50Price ranges: €2–€8
High-tech❌ Excluded⚠️ Terms and Conditions
Jewelry/Watches❌ Excluded❌ Excluded
Claims ManagementThird-party insurerIntern + insurer

Source Mondial Relay: Detailed Analysis of the " Mondial Relay " Insurance Offer

💡 DIFFERENTIATED POSITIONING

  • Mondial Relay : Limit 500€—very low, but with an extensive network of private sellers
  • Relais Colis : Limit €5,000 is acceptable, but there are extensive exclusions for high-tech items
  • Both: Not suitable for jewelry, watches, art, or high-end electronics

The Modern Alternative: Automated Package Insurance

Structural Limitations of the Zen Option " Relais Colis "

retailers face four major obstacles:

  1. Limit €5,000 is not enough for premium products
  2. Wide-ranging exclusions (high-tech, jewelry, watches, art)
  3. A tiered pricing system that creates price distortions
  4. Do these delays affect cash flow?

Principles of Automated Parcel Insurance

Automated package insurance offers a radically different approach:

Transparent pricing structure:

  • Flat rate
  • No tiers: exact proportional pricing
  • No minimum collection amount

Universal coverage:

  • Limit €100,000 per package (vs. €5,000 Relais Colis)
  • High-tech devices: laptops, smartphones, servers
  • Jewelry and watches: all categories, no restrictions
  • Art and Collectibles: Protected Masterpieces

Operational Efficiency:

  • Refund within 72 hours
  • Unified 100% Digital Filing
  • Compatible with all carriers: Relais Colis, Mondial Relay, Colissimo, DHL, etc.

Relais Colis vs. Solution Moderne: A Comparison of Parcel Insurance

Criterion Relais Colis Automated Alternative
Price: 800€€18.50 (2.31%)<6€ (<0,75%)
Price: 2,600€€36.50 (1.40%)<19,50€ (<0,75%)
Limit5 000€100 000€
Laptop❌ Excluded✅ Covered
Jewelry❌ Excluded✅ Covered
Watches❌ Excluded✅ Covered
Refund Period60+ days48h
ManagementThird-party insurerUnified Digital
BearingsRigidProportional

❓ FAQ: 10 Essential Questions About Insurance Relais Colis

💻 Does " Relais Colis " insurance cover laptops?

No, absolutely not. According to the official IPID document, computers and laptops are on the list of exclusions. If you ship laptops, the Zen Option will never cover you.

📈 What is the maximum insu Limit d under the " Relais Colis " policy?

Limits are strictly limited to €5,000 per parcel. For any product or order valued higher than that, you will incur an overage charge. This service is not suitable for high-end electronics or works of art.

💎 Can I insure jewelry with Relais Colis ?

No. Jewelry, gemstones, precious metals, and silverware are explicitly excluded. If your business involves selling jewelry online, the Zen Option cannot be used.

💰 How does the tiered pricing system work?

Relais Colis applies a fixed rate per price bracket (e.g., €151–€350 = €9.50). This system creates price jumps: a package worth €350 costs €9.50 (2.71%), but a package worth €351 costs €11.50 (3.28%)— a 20% increase in cost for a 0.3% increase in value.

⏳ How long does it take to receive a reimbursement after a claim?

Although not officially disclosed, feedback from the field indicates an average of more than 60 days. Since claims handling is managed by the insurer Tokio Marine Europe, the processing times are similar to those of external carrier insurers.

📱 Does the Zen Plan cover smartphones?

No. Cell phones are included on the list of exclusions in the IPID document. If you sell smartphones, the Zen Option does not cover them.

🔄 Can I combine " Relais Colis " insurance with another policy?

No, never. You cannot combine two insurance policies. You must choose one insurance option per shipment. However, you can use the Zen Option for certain packages and a different option for excluded items.

🆚 Relais Colis vs. Mondial Relay : What's the difference in insurance coverage?

Relais Colis has a higher Limit (€5,000) but extensive exclusions for high-tech items and jewelry. Mondial Relay has a very low Limit (€500) but fewer documented exclusions. Neither is suitable for electronics or jewelry.

✅ Is there an alternative for professionals that doesn't have any exclusions?

Yes. Automated package insurance solutions like Claisy offer coverage of up to €100,000 limits, no exclusions for high-tech items, jewelry, or watches, a proportional rate (e.g., 0.75%), and reimbursement within 48 hours.

Conclusion: Relais Colis, Bon Carrier, Ad Valorem Limited Insurance

Relais Colis has established itself as an effective “Carrier ” for professional “ retailers ” with its network of over 10,000 pickup locations and its B2C focus. However, the “ Relais Colis ” insurance plan, “Option Zen,” reveals major structural limitations:

The three critical challenges facing insurance- Relais Colis :

  1. Limit €5,000 deposit for premium products
  2. Extensive exclusions that render the insurance unusable for high-tech items, jewelry, watches, and art
  3. A tiered system that creates pricing distortions and budget uncertainty

Pour les e-commerçants expédiant du textile et accessoires <5 000€, l'Option Zen peut convenir. Mais pour tous les autres secteurs (électronique, bijouterie, horlogerie, art, mobilier premium), cette assurance est inadaptée voire dangereuse car elle crée une fausse sécurité.

The good news: You can continue to ship with Relais Colis (which has an excellent network of pickup locations) while benefiting from modern package delivery insurance with no exclusions. The automated solutions work with all carriers, allowing you to maintain your current logistics while eliminating areas of risk.

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