You need to ship a valuable package, but you're paralyzed by doubt: which insurance should you choose? La Poste, Chronopost, DHL, UPS... or a specialized solution like Claisy? There are many options available, Limits , and the fine print of the contracts hides formidable exclusions. Between September and December 2024, more than 3.7 million parcels were lost or damaged in France (according to ecommerce nation), resulting in an average loss of €145 (sales + ancillary costs).
Look no further.
This comparison of the best parcel insurance policies for 2025 is the only resource you will ever need. We have analyzed the best Ad Valorem parcel insurance policies on the market to give you a clear, straightforward answer without any jargon. Your mission: choose the best protection. Our mission: give you the keys to do so.
Ad Valorem: The Only Real Shield for Your Valuable Packages
Before diving into the comparison, an important reminder. Ad Valorem insurance ( or shipping insurance) is the only type of insurance that really matters for valuable items.
- Basic (flat-rate) insurance: This is a trap. It reimburses you based on weight (e.g., $23/kg). If your $1,500 iPhone (200g) is lost, you are eligible for compensation of less than $5, which is hardly acceptable.
- Ad Valorem insurance ("according to value"): This is your shield. It covers the actual declared value of your package in the event of loss, theft, or breakage. It is essential for any item worth more than €50 or, more generally, when the cost/weight ratio exceeds 25.
Now that that's clear, let's get down to business.
The 5 Key Criteria for Comparing the Best Parcel Insurance Policies in 2025
To make the right choice for your shipping insurance, you need to analyze these five vital points:
The Great Comparison 2025: Carriers vs. Specialized Insurers
Here is the table you have been waiting for. We have compared the transportation giants and insurance specialists. The information is based on data available for 2025:
The Mistake You Should Never Make: Ignoring Exclusions
Paying for parcel insurance with your Carrier an excluded item is a waste of money. In the event of a claim, the Carrier its terms and conditions of sale and you will receive nothing. Always read the list of items not covered by shipping insurance before paying.
Final Summary for Choosing the Best Parcel Insurance in 30 Seconds
In 2025, the hierarchy of the best parcel insurance companies is clear: for parcel insurance, specialists such as Secursus (for individuals) and Claisy ( for professionals) outperform traditional carriers (Chronopost, DHL, UPS, FedEx, etc.) on all critical points: Limit, price, and scope of coverage. Insurance offers from La Poste and Chronopost supplementary solutions for shipments of moderate value, provided that your item does not appear on their long list of exclusions.
You now have all the information you need to make an informed choice and ship your valuable items with the best insurance that guarantees the only thing that really matters: complete peace of mind!
The Claisy Alternative: Simplicity meets Performance
Faced with the complexity of shipping insurance and the limitations of Limits, Claisy offers a revolutionary approach to parcel insurance: high value, luxury goods, wines, spirits, high-tech items, etc.
Additional Resources
- Complete comparison of carrier insurance policies 2024
- Atlas of ad valorem insurance: Solutions by sector
- Practical guide: How to make an effective claim
Some exceptional pieces from Claisy: