Introduction :
As we did last year, here's everything you need to know about parcel insurance in 2025: the security of your parcels is paramount, but so are your finances. So we've taken a look at what carriers are up to, and in this article we've tried to give you an idea of what's on offer in terms of parcel insurance.
Whether you're a private individual shipping a precious gift, or a company handling large volumes, ad valorem insurance is essential to protect your goods, your finances and your brand image. Faced with the complexity of the options available (declared value, transported value, covered value), how do you choose the best ad valorem insurance for 2025?
In this article, we compare the offers of the major carriers, and highlight the crucial criteria for optimum protection.
Points to bear in mind when choosing your Ad Valorem insurance in 2025 :
In any case, to choose the right insurance, we recommend analyzing the 5 points below:
- Extensive coverage: Check that the insurance covers all the types of goods you ship: including valuables such as jewelry, watches and electronics.
- Transparent exclusions: Examine contract exclusions carefully to avoid unpleasant surprises in the event of a claim, such as "cosmetic" damage. These can have a major impact on your brand image.
- Competitive rates: Compare rates from different insurers to find the best deal, taking into account insurance limits and your specific needs.
- Appropriate insurance ceilings: Make sure that insurance ceilings correspond to the value of your shipments, especially for high-value items.
- Simplified claims process: Opt for an insurer that offers a fast and efficient claims process: you don't want the money you recover to be used to fund your customer service/claims department.
For more details, please refer to our article on parcel insurance in 2025.
Carrier Ad Valorem Insurance Comparison 2025 :
Analysis of major carriers' Ad Valorem 2025 offers
- La Poste: La Poste offers parcel insurance with a ceiling of €1,000, which can be limiting for high-value items. In short, rates can be considered relatively low, but coverage is restrictive and limiting.
- DHL: DHL offers insurance with a maximum insured value of €100,000, which is the highest offered by any carrier. Prices have not changed since last year, but remain at a minimum of €11, even for shipments of less than €1,000.
- Chronopost: Chronopost offers ad valorem insurance with a ceiling of €5,000 (in increments) with its 100% digital pro solution and up to €20,000 for a pro customer under contract, which is higher than La Poste but still limited. Rates could be considered average for carriers (from €6.10 for a €500 tier), but beware of the products you're shipping and the tiering phenomena. In addition, certain goods such as jewelry and high-tech appliances are excluded.
- UPS: UPS offers a range of insurance policies through its partners, with a maximum insured value of €40,000 (or $50,000). Rates are less competitive this year, and certain items such as jewelry and collectibles are still not insurable. So beware of insurance rates for smaller amounts, as the minimum rate is €12.05.
- FedEx & GLS France: FedEx will no longer offer insurance in 2024, as will GLS France, which has not publicly announced this option.
Why Claisy is positioned as the Best Ad Valorem Insurance in 2025:
- Ultra-competitive rates: Low minimum rates to suit all budgets and, above all, the needs of e-commerce.
- Virtually unlimited coverage: Insures a wide range of objects (including jewelry, high-tech goods, household appliances, etc.).
- Fast, transparent compensation: Simplified claims process with fraud analysis and, most of the time, no contact with the carrier to avoid disputes lasting several weeks.
- Discreet protection: Invisible insurance for the carrier and his service providers, reducing the risk of theft. You don't have to tell them the value in the parcel, or mention anything on the parcel or on the shipping label.
- Optimum customer satisfaction: A secure, stress-free delivery experience for you, and your customers will thank you for it.
Case studies :
- Second hand, Circular economy & Claisy
- Logisticians or volume specialists
- Marketplaces and the brand image challenge
FAQ :
- What types of objects does Claisy insure?
- Claisy insures a wide range of objects: jewelry, watches, electronics, collectibles and, of course, the things you think are less at risk. If in doubt, contact us!
- How long does it take to receive compensation from Claisy?
- Claisy is committed to compensating its customers as quickly as possible: a response in less than 24 hours and compensation paid within 48 hours of the dispute being handled.
- How can I get a personalized quote?
- You can obtain a personalized quote by contacting Claisy via our form or at contact@claisy.com.
Conclusion:
For 2025, Claisy stands out as the best ad valorem insurance thanks to its competitive rates, which have not increased over last year, unlike the carriers. But the distinction isn't just about price, it's also about extensive coverage and exceptional customer service. By choosing Claisy, you secure your shipments and offer your customers peace of mind.
