You've just packed a parcel. Whether it contains a product from your e-commerce business, a valuable gift, or a crucial document, one question hangs in the air: "What if it never arrives?" In the world of shipping, uncertainty is the norm. But resignation should not be.
The biggest financial mistake shippers make is to trust the "basic" insurance included by carriers (whatever your activity). It's an illusory safety net. The only real protection for your goods isad valorem insurance. Still hesitating? Here are 7 compelling reasons that will transform your vision of shipment security.
Carriers are liable for between €23 and €33 per kilogram, which means that for a light but valuable parcel, compensation may be much lower than the actual value of the parcel.
What is Ad Valorem Insurance (and why it is NOT an Option)
Before diving into the reasons, let's understand what we're talking about:
- Classic insurance (Carrier): It compensates you by weight. A derisory lump sum (often ~€23/kg) that takes absolutely no account of what's in your box.
- Ad Valorem insurance: This indemnifies you "according to value" (which is what "ad valorem" means in Latin). You declare the actual value of your goods, and in the event of a claim, you are reimbursed on that basis.
It's the difference between receiving €5 for your lost smartphone, and receiving its actual purchase price.
Basic insurance vs. Ad Valorem: The face-off
Which Ad Valorem Insurance Should You Choose Based on Your Profile?
Find out more about our interactive carrier insurance comparator here
- Are you a private individual who occasionally sends a valuable object? Your Carrier 's Ad Valorem option may suffice, but compare its cost with that of a specialized insurer.
- Are you a retailer small business/SME)? A specialized insurer is the only viable solution. It protects your margin, your time, and your reputation. Automation via CMS connector is a huge productivity gain in managing your transport disputes.
- Do you ship luxury, high-tech, or second-hand items? Carriers often exclude these goods. Only a specialized insurer like Claisy will offer you adequate coverage (as for the best vinyl resale platform, Dwice) to insure your packages.
- Are you a marketplace? Customer experience is essential, and so is protecting your sellers: discover how Claisy can revolutionize your protection of sellers and buyers— digitize your transport dispute process.
Practical Checklist: The Insured Shipper's Good Reflexes
- Before shipping: Take out insurance before shipping. Always keep the purchase invoice or proof of value of your item.
- Packaging: Use neutral, sturdy packaging. Never mention the nature or value of the contents on the package.
- In the event of a claim: Damaged package, Lost package, Lost package contents: Take photos (if damaged or stolen), contact your insurer immediately, and keep all documents (proof of deposit, email exchanges, etc.).
In conclusion, choosing ad valorem insurance is not about "spending more". It's a decision to invest in the security of your assets, the peace of mind and the satisfaction of your beneficiaries.