Sendcloud is an essential technology platform for thousandsretailers more than 30,000) looking to optimize their shipments. To secure these flows, Sendcloud offers integrated parcel insurance, promising simplicity and speed. But how valuable is this protection on a day-to-day basis?
This 2026 guide provides a detailed analysis of Sendcloud's insurance system: technical operation, pricing structure, Limits , and exclusions. We will compare this solution to other options on the market, including Claisy, to help you assess which protection best suits your shipping volume, product catalog, and budget constraints.
How does Sendcloud Insurance work? The partnership with XCover
Sendcloud's delivery insurance is operated by an expert technology partner, XCover (from Cover Genius). This model has a major advantage: claims management is independent of the Carrier decision, which allows for faster compensation than with carriers.
The user experience is also a strong point: the claims process is seamlessly integrated into the Sendcloud interface, offering centralized management without any disruption to the user's journey, all with a strong promise of a response within three business days.
Coverage of the "sale value"
Sendcloud, like Claisy, covers the sales value of the goods (the price paid by your end customer, including tax) regardless of the Carrier Chronopost, DHL, UPS, FedEx, etc.). However, Sendcloud insured parcels are subject to the provision of proof of sale (invoice), whereas solutions such as Claisy can retrieve this information automatically via CMS connectors.
Understanding Sendcloud Parcel Insurance: Rates, Limits, Exclusions
Rates: a simple system where the only variable is the destination
The Sendcloud shipping insurance offer is simple and depends solely on the destination of the package: domestic or international.
The model is based on a clear and transparent system with a simple distinction between domestic and international (which can quickly become expensive in this case).
Unfortunately for French shippers, the specific grid for France is now obsolete.
Sendcloud Limit : a limit of €5,000
Regardless of the pricing model, the maximum insurable amount via the Sendcloud solution is "unfortunately limited" to €5,000. While this is a Limit for many retailers, it quickly becomes an obstacle for professionals in the luxury, art, store supply, or high-value B2B equipment sectors.
Exclusions and conditions: the weak point in high-tech
Sendcloud parcel insurance is attractive because it does not charge any deductibles. However, its list of exclusions is a major point of concern, particularly for high-tech items (which are not covered).
Main categories of products excluded:
- High Tech ( Cell phones, Laptops, etc.)
- Televisions
- Computer chips and memory devices
- Works of art
- CBD, E-cigarettes, ...
- Precious stones and metals, currencies, etc.
The total exclusion of cell phones and laptops is a major obstacle for all players in the high-tech and refurbished e-commerce sector. Always check the terms and exclusions before shipping.
Sendcloud vs. Claisy insurance: two philosophies of simplicity
Who Sendcloud is ideal for: retailers already use the Sendcloud ecosystem and mainly ship standard products (clothing, accessories, small equipment) benefit from native integration and efficient centralized management. The absence of a deductible is a real advantage for insured parcels of average value.
When to consider an alternative: If your catalog includes products excluded by Sendcloud insurance, such as electronics (smartphones, laptops) or goods worth more than €5,000, other solutions such as Claisy or Shipsurance may offer more suitable and complementary coverage.
Decision Tree: Is the Sendcloud Insurance Alternative necessary?
To help you visualize the best option for insuring your packages according to your needs, here is a simple guide.
Claisy is therefore a simple and convenient alternative to Sendcloud parcel insurance.
Complete your Sendcloud Insurance offer for free by connecting your CMS in 5 minutes.
The true power of automation lies in native integration. Claisy presents itself as a real alternative to Sendcloud insurance and connects directly to the tools that drive your business: Shopify, Prestashop, WooCommerce, etc. The result? Zero effort, zero oversights, perfect coverage for 100% of your shipments, and a successful migration from Sendcloud to Claisy.
Conclusion: Sendcloud, an excellent integrated solution with well-defined limits
The ad valorem insurance offered by Sendcloud is a modern, fast, and well-integrated solution, perfectly suited to retailers ship standard goods with a value not exceeding €5,000. The absence of a deductible and centralized management are obviously undeniable advantages.
However, for an expert analysis, its limitations must be considered:
- A Limit €5,000, which excludes high-value shipments
- A list of exclusions that is detrimental, particularly for key products such as computers and cell phones.
- A price differentiation between domestic and international shipments
Final verdict: Sendcloud insurance effectively meets the needs of 70 to 80% of retailers shipping standard goods. Its native integration and simplified management justify its widespread adoption.
For the remaining 20-30%—refurbished high-tech, luxury goods, art, or items valued at over €5,000—exclusions and Limits exploring specialized alternatives. In this category, Claisy offers broader coverage and Limits . The choice will depend on your volume, your technical connector, and your appetite for automated transport dispute management.