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 strategy guide doesn't just relay marketing pitches. It dives deep into Sendcloud's insurance system to reveal its precise workings, complex pricing structure, real Limits and notable exclusions. By comparing it objectively with an expert solution like Claisy, we give you a 360° view to make the most relevant and profitable choice for your business.
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 rapid compensation.
The user experience is also a strong point. The claims process is seamlessly integrated into the Sendcloud interface, offering centralized management with no disruption to the user experience.
Value for sale" hedging
Sendcloud, like Claisy, covers the sale value of the merchandise (the price paid by your end customer, including VAT), regardless of the carrier(Chronopost, DHL, UPS, FedEx, etc.). However, this coverage is conditional on providing proof of sale (invoice), whereas solutions like Claisy can retrieve this information automatically via CMS connectors.
Tariffs and Limits : 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 €5,000. This is a comfortable Limit for many e-merchants, 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 / XCover insurance is attractive because it offers no deductible. However, its list of exclusions is a major point of vigilance, especially for the electronics sector.
Main product categories excluded :
- Cell phones
- Laptop computers
- Televisions
- Computer chips and memory devices
- Works of art
- 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.
Sendcloud vs. Claisy: two philosophies of simplicity
Sendcloud offers a simple, all-in-one solution for standard protection. Claisy offers an expert, easy-to-use solution for maximum protection against all risks: theft, loss, damage.
Decision tree: which parcel insurance is right for you?
To help you visualize the best option for your needs, here's a simple decision-making guide.
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The real power of automation lies in native integration. Claisy connects directly to the tools that drive your business: Shopify, Prestashop, WooCommerce, etc. The result? Zero effort, zero forgetting, perfect coverage of 100% of your shipments.
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
For companies that don't fit into this framework - those selling high-tech, luxury goods, art, CBD, or goods worth over €5,000 - an expert solution like Claisy is the natural alternative. Simpler in its pricing, more powerful in its coverage and Limits, it also integrates with your ecosystem (including via a webhook with Sendcloud) to offer uncompromising protection.