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, the Limits vary, and the fine print in the contracts hides some serious exclusions. Between September and December 2024, more than 3.7 million packages were lost or damaged in France (according to E-commerce Nation), resulting in an average loss of €145 per package (revenue + related costs).
Look no further.
This comparison of the best package insurance plans for 2025 is the only resource you’ll need. We’ve analyzed the best ad valorem package insurance plans on the market to give you a clear, straightforward answer—free of jargon. Your job: choose the best coverage. Our job: give you the tools to do so.
Ad Valorem: The Only True Protection for Your Valuable Packages
Before diving into the comparison, here’s an important reminder: “Ad Valorem” insurance (or shipping insurance) is the only type that really matters for valuable items.
- Basic (flat-rate) insurance: It's a trap. It reimburses you based on weight (e.g., €23/kg). If you lose your €1,500 iPhone (200g), you're eligible for less than €5 in compensation, which is hardly acceptable.
- Ad Valorem ("based on value") insurance: This is your protection. It covers the actual declared value of your package in the event of loss, theft, or damage. It is essential for any item worth more than €50 or, more generally, when the cost-to-weight ratio exceeds 25.
Now that that's clear, let's get down to business.
The 5 Key Criteria for Comparing the Best Package Insurance Plans in 2025
To choose the right shipping insurance, you need to consider these 5 key points:
The 2025 Comprehensive Comparison: Carriers vs. Specialized Insurers
Here is the table you've been waiting for. We've compared the transportation giants with the insurance specialists. The information is based on data available for 2025:
The Mistake You Should Never Make: Ignoring Exclusions
Paying for package insurance through your Carrier for an excluded item is a waste of money. In the event of a claim, the Carrier will cite its terms and conditions, and you won’t receive any compensation. Always read the list of items not covered by shipping insurance before paying.
Final Summary: How to Choose the Best Package Insurance in 30 Seconds
In 2025, the ranking of the best parcel insurance providers is clear: when it comes to package insurance, specialists such as Secursus (for individuals) and Claisy (for businesses) outperform traditional carriers (Chronopost, DHL, UPS, FedEx, etc.) on all key points: limit, price, and scope of coverage. The insurance offerings from La Poste and Chronopost remain supplementary solutions for shipments of moderate value, provided your item isn’t on their long list of exclusions.
You now have all the information you need to make an informed decision and ship your valuable goods with the best insurance, which guarantees you the one thing that really matters: complete peace of mind!
The Claisy Alternative: Where Simplicity Meets Performance
Given the complexity of carrier shipping insurance and the limitations of caps, Claisy offers a revolutionary approach to package insurance: high-value items, luxury goods, wines, spirits, high-tech products, and more...
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Native shipping insurance that covers 100% of your shipments, with no need for double data entry: Shopify, PrestaShop, WooCommerce, Wix, and Adobe Commerce (Magento).
Shopify Insurance
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WooCommerce Insurance
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