Sendcloud is a key technology platform for thousands of e-tailers looking to optimize their shipping. To secure these flows, Sendcloud offers integrated parcel insurance, promising simplicity and speed. But what is this protection really worth on a day-to-day basis?
This 2025 guide takes a detailed look at Sendcloud's insurance system: technical operation, pricing structure, coverage Limits and exclusions. We'll compare this solution with other options on the market, including Claisy, so you can assess which protection best suits your shipping volume, product catalog and budget constraints.
How does Sendcloud insurance work? Partnership with XCover
Sendcloud's shipping insurance is operated by an expert technology partner, XCover (from Cover Genius). A major advantage of this model is that claims management is independent of the Carrier's decision, enabling faster compensation than with carriers.
The user experience is also a strong point: the claims process is perfectly integrated into the Sendcloud interface, offering centralized management with no disruption to the user experience, and all with a strong promise of a response within 3 working days.
Value for sale" hedging
Sendcloud, like Claisy, covers the sale value of the goods (the price paid by your end customer, including VAT) regardless of the Carrier (ChronopostDHL, UPS, FedEx, etc.). However, the insured parcel is conditional on the provision of proof of sale (invoice), whereas solutions like Claisy can retrieve this information automatically via CMS connectors.
Decrypting Sendcloud ad valorem insurance: Rates, Ceilings, Exclusions
Fares: a complex two-tier system
This is where Sendcloud's offer reveals its complexity. There is not one, but two distinct pricing systems, depending on the sender's location.
The model is based on a fixed tier system for domestic shipments, which lacks flexibility and can be costly.
The Coverage Limit : a €5,000 limit
Whatever the pricing model, the maximum amount insurable via the Sendcloud solution is unfortunately limited to €5,000. Admittedly, this is a comfortable Limit for many e-tailers, but it quickly becomes an obstacle for professionals in the luxury goods, art or high-value B2B sectors.
Exclusions and conditions: the weak point in High-Tech
Sendcloud insurance is attractive because it advertises no deductibles. However, its list of exclusions is a major point of vigilance, especially for High Tech (not covered).
Main product categories excluded :
- High Tech (Mobile phones, Laptops, ...)
- Televisions
- Computer chips and memory devices
- Works of art
- CBD, Electronic 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 e-commerce and refurbishing sectors. Always check conditions and exclusions before shipping.
Sendcloud vs. Claisy: two philosophies of simplicity
For whom Sendcloud is ideal: E-retailers who already use the Sendcloud ecosystem and ship mainly standard products (clothing, accessories, small equipment) benefit from native integration and efficient centralized management. The absence of deductibles is a real advantage for medium-value parcels.
When to consider an alternative: If your catalog includes electronics (smartphones, laptops) or goods over €5,000, or if you're looking for percentage-based rather than fixed-tier pricing, other solutions such as Claisy, Shipsurance or Eurosender may offer more suitable cover.
Decision tree: Is the Sendcloud insurance alternative necessary?
To help you visualize the best option for insuring your parcels according to your needs, here's a simple guide.
Claisy is therefore a great, simple alternative to Sendcloud parcel insurance.
Connect your CMS for free in 5 minutes. Never manage a dispute manually again!
The real power of automation lies in native integration. Claisy presents itself as a real alternative to Sendcloud insurance, plugging 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 from Sendcloud to Claisy.
Conclusion: Sendcloud, an excellent integrated solution with well-defined limits
Sendcloud' s ad valorem insurance is a modern, fast and well-integrated solution, perfectly suited to e-merchants who ship standard goods worth up to €5,000. The absence of deductibles and centralized management are undeniable advantages.
However, for an expert analysis, its limitations must be considered:
- A €5,000Limit , which excludes high-value shipments
- A penalizing list of exclusions, particularly on key products such as computers and cell phones
- A complex pricing structure that varies from country to country
- Price differentiation between domestic and international shipments
Final verdict: Sendcloud insurance effectively meets the needs of 70-80% of European e-tailers shipping standard goods. Its native integration and simplified management justify its massive adoption.
For the remaining 20-30% - in the reconditioned high-tech, luxury and art sectors, or unit values > €5,000 - exclusions and Limits mean that specialized alternatives need to be explored. In this category, Claisy is positioned with broader coverage and adjustable Limits , but other players such as [competitor name] also offer tailor-made solutions. The choice will depend on your volume, your technical connector and your appetite for automated vs. manual claims management.