Parcel insurance is essential to protect your shipments, your finances, your image and your customer service. This comparison details Colissimo's, Chronopost's and Claisy's 2025 offers: here we compare rates, underwriting methodology, scope of coverage and claims handling.
1. Insurance rates and costs in 2025
- Colissimo insurance :
- Price for a €500 parcel: €7.70.
- Ad Valorem option: between 1.27% and 1.9% of the insured value.
- Levels: from €100 upwards, rates may be higher depending on actual value.
- Chronopost insurance :
- Price for a €500 parcel: €6.10.
- Ad Valorem option: between 1% and 1.22% of the insured value.
- Levels: from €500 upwards, rates may be higher depending on actual value.
- Claisy Insurance :
- Tarif pour un colis de 500€ : < 4,50€.
- Customized rates on request (less than 0.75% excl. VAT of the parcel value).
- No minimum premium, actual insurance with no tiering effect.
2. Easy Subscription: Process and Simplicity
- Colissimo :
- Subscribe online or at a post office.
- Ad Valorem option to be selected at time of shipment.
- Chronopost :
- Online subscription at time of dispatch.
- Process integrated into the platform and certain modules.
- Claisy :
- Connecteurs faciles à installer (<5min) sur CMS/TMS, activation automatique.
- Effortless processes, with no connectors or on-demand from the platform.
3. Coverage levels: Amounts and limits
- Colissimo :
- Levels from €100 up to €1,000.
- Limited coverage, potentially high cost.
- Chronopost :
- Levels from €500 up to €5,000.
- Flexibility, with large differences that can make the ratio very high. Ex: For €1,200 insured, the price of ad valorem insurance is the same as for €2,000, i.e. €20.10.
- Claisy :
- Actual coverage with no minimum premium and up to €100,000.
- No increments, precise insurance.
4. Claims management: Declaration and Indemnification
- Colissimo :
- Declaration with supporting documents (invoice, photos and validation of the claim by the carrier).
- Potentially lengthy process: Colissimo becomes judge and jury on the transport claim.
- Chronopost :
- Supporting documents required.
- Rapid compensation if the claim is proven. However, Chronopost is also judge and jury on the transport claim.
- Claisy :
- Simplified online declaration (e.g. no need to request invoices or proof of deposit).
- Rapid reimbursement (48 h) following pick-up, which is often unrelated to the carrier's decision.
5. Summary comparison table
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6. Conclusion: Which insurer should you choose for your parcel insurance?
Claisy stands out for its actual coverage, simplicity and speed, making it ideal for businesses requiring a large number of shipments, but also for valuable shipments, goods usually excluded (see our exclusions in CGU) and many other benefits. If you'd like to find out more, let's talk!
However, if you're an individual shipper, don't hesitate to use the Colissimo and Chronopost insurances, which will meet your "isolated" needs and provide you with appropriate support.
7. FAQ: Answers to Frequently Asked Questions
- What kind of insurance do I need for a high-value parcel?
- Claisy: cover without ceiling, ideal.
- How do I report a claim?
- Claisy: online declaration, 24-hour response, 48-hour refund.
- Competitive Claisy rates ?
- Yes, personalized and advantageous rates.
