You need to ship a valuable parcel and you're in doubt: which insurance should you choose? La Poste, Chronopost, DHL, UPS... or a specialized solution like Claisy? There are so many different offers, the Limits vary, and the fine print on contracts hides some fearsome exclusions. Between September and December 2024, more than 3.7 million parcels were lost or damaged in France (according to ecommerce nation), for an average loss of €145 (sales + additional costs).
Look no further.
This comparison of the best parcel insurances 2025 is the only resource you'll need. We've dissected the best Ad Valorem parcel insurances on the market to give you a clear, straightforward, jargon-free answer. Your mission: to choose the best protection. Our mission: to give you the keys.
Ad Valorem: The Only Real Shield for Your Valuable Parcels
Before diving into the comparison, a quick reminder. Ad Valorem" (or shipment) insurance is the only insurance that really counts for valuables.
- Basic (flat-rate) insurance: This is a trap. It reimburses you by weight (e.g. €23/kg). If your €1,500 (200g) iPhone is lost, you're eligible for compensation of less than €5, so it's hardly acceptable.
- Ad Valorem ("according to value") insurance: This is your shield. It covers the actual declared value of your parcel in the event of loss, theft or breakage. It's essential for any item worth more than €50, or more generally when the cost/weight ratio is greater than 25.
Now that that's clear, let's get down to business.
The 5 decisive criteria for comparing the best parcel insurance in 2025
To make the right choice for your shipping insurance, you need to analyze these 5 vital points:
Le Grand Comparatif 2025: Carriers vs. Specialty Insurers
Here's the picture you've been waiting for. We've put transport giants and insurance specialists face to face. The information is based on data available for 2025:
The Mistake Never to Make: Ignoring Exclusions
Paying parcel insurance to your Carrier for an excluded item is like throwing money down the drain. In the event of a claim, the Carrier will invoke its general terms and conditions of sale, and you'll get nothing. Always read the list of items not covered by shipping insurance before paying.
Final Summary of Choosing the Best Parcel Insurance in 30 Seconds
In 2025, the hierarchy of the best parcel insurers is clear: for parcel insurance, specialists such as Secursus (for private customers) and Claisy (for professionals) outperform traditional carriers (ChronopostDHL, UPS, FedEx, etc.) on all critical points: Limit, price and scope of coverage. La Poste's and Chronopost s insurance offers remain back-up solutions for shipments of moderate value, provided your item is not on their long list of exclusions.
Now you have all the information you need to make an informed choice and ship your precious possessions with the best insurance, guaranteeing you the only thing that really matters: total peace of mind!
The Claisy Alternative: Simplicity meets Performance
Faced with the complexity of carrier insurance and the limitations of Limits, Claisy offers a revolutionary approach to parcel insurance: high value, luxury, wines, spirits, high tech...
Additional Resources
- Carrier insurance comparison 2024
- Atlas of ad valorem insurance: Solutions by sector
- Practical guide: How to make an effective claim
Some exceptional pieces from Claisy: