Parcelforce insurance vs Secursus: what's actually covered
Compare Parcelforce cover with Secursus and see where it stops.
Parcelforce Insurance
- Maximum cover: £2,500
- Jewellery & watches (excluded)
- Gold, precious stones, antiques (excluded)
- Artworks, fur (excluded)
- Musical instruments (excluded)
- Screens, TVs, glass (damage excluded)
Secursus Insurance
- Maximum coverage: £90,000
- Jewelleries and watches
- Collector's items, antiques
- Artworks
- Musical instruments
- High tech (excluding TVs)
| Parcel Value | Parcelforce Price | Secursus Price |
|---|---|---|
| £500 | £7.00 | £5.00 |
| £1,000 | £30.00 | £10.00 |
| £2,000 | £65.00 | £20.00 |
| £3,000 | Not applicable or unknown | £30.00 |
| £5,000 | Not applicable or unknown | £50.00 |
| £10,000 | Not applicable or unknown | £100.00 |
Parcelforce Price is its enhanced compensation charge, which tops out at £2,500 of cover per item. Above £2,500 it is not available, and jewellery, watches, gold, precious stones, antiques and fur are excluded from compensation entirely, so valuables cannot be covered with Parcelforce. Secursus covers the full value up to £90,000. Source: Parcelforce Worldwide compensation exclusions and enhanced compensation.
Insure your Parcelforce parcel in 3 steps
Ship your Parcelforce parcel as usual and insure it in a few clicks on Secursus.
Parcelforce insurance: what it covers and where it stops
Parcelforce includes £150 of compensation in the price and lets you buy enhanced cover up to a maximum of £2,500 per item. But payouts are made at depreciated value, and a long list of valuables is excluded from compensation altogether. Here are the key official limits.
| Parcelforce cover | Limit | Notes |
|---|---|---|
| Inclusive compensation | £150 per item | Included in the price |
| Enhanced compensation | Up to £2,500 max | £7, £30 or £65 extra |
| Settlement basis | Depreciated value | Consequential loss excluded |
Items Parcelforce excludes from compensation
These valuables are excluded from enhanced compensation on domestic services, and from all compensation on international services. Ship them with Parcelforce and a loss leaves you with nothing. Secursus insures them at their full declared value.
| Item | Domestic | International |
|---|---|---|
| Jewellery, watches, clocks | No cover | No cover |
| Gold, silver, precious stones | No cover | No cover |
| Antiques, fur, artworks | No cover | No cover |
| Money, SIM cards, trading cards | No cover | No cover |
Why insure your Parcelforce parcel with Secursus?
Secursus is dedicated parcel insurance that covers your Parcelforce shipment at its full value, up to £90,000 per parcel, including the jewellery, watches, gold, art and antiques Parcelforce excludes from compensation.
Our shipping insurance reimburses these items at their real value, with no depreciation and no excess, and you never disclose your parcel's value to the carrier (except for customs).
Why should you use additional insurance for your Parcelforce parcel?
When you compare parcel solutions, Parcelforce's limits stand out: £2,500 maximum cover, depreciated payouts and valuables excluded outright. Secursus insures 99% of goods sold online, even the riskiest, up to £90,000 per parcel.
Parcelforce is part of Royal Mail Group and shares many of the same limits, so see our Royal Mail insurance and DPD insurance pages too.
You only pay for what you insure, from £1.50, with no subscription and no commitment.
Support and compensation
As an in-house insurer we run an online claims platform that guides you through every step. Report a Parcelforce loss or damage promptly, open your Secursus claim within 14 days of shipping, and we aim to pay within 72 hours of a complete file, 30 days maximum.
Coverage
Our cover goes up to £90,000 per parcel and includes the items Parcelforce excludes: watches, jewellery, precious stones, art, antiques, musical instruments and collectibles, reimbursed at their full declared value with no depreciation.
Safety
If your Parcelforce parcel is delayed, lost or damaged, open a claim with Parcelforce first, then with Secursus. Keep your proof of posting and proof of value such as an invoice or receipt, and declare the real value when you take out cover.
Postage costs are not refunded on Parcelforce damage claims, and consequential loss is never covered, another reason to protect the parcel's real value with Secursus.
Is Parcelforce a reliable carrier?
Parcelforce Worldwide is part of Royal Mail Group and one of the UK's best-known parcel carriers, with express UK and international services and full tracking.
It offers next-day and timed UK delivery plus worldwide options, with signature on delivery, which makes it fully compatible with Secursus cover.
But its compensation is capped at £2,500 and excludes valuables, which is exactly where a top-up policy like Secursus helps.
Why choose Secursus for your Parcelforce insurance?
We cover the items that Parcelforce won't, from pick-up to delivery.
Claims Paid Within 30 Days Maximum
Our dedicated claims team handles everything for you:
- Report your claim; we guide you through every step
- We assist you with the process with Parcelforce
- Receive compensation within 30 days of confirmation of the loss or damage by Parcelforce
Full Coverage up to US$120,000
Our insurance covers most goods that are typically excluded:
- Watches and jewellery
- High-tech devices and mobile phones
- Vintage items and collectibles
- Second-hand goods
Shipping Tips & Prevention
Before shipping and insuring your parcel, you receive:
- Our shipping guidelines to protect your parcel
- Advice on packing and preparing goods for shipment
- Clear instructions to follow in the event of a problem
Frequently asked questions about Parcelforce insurance
Everything you need to know about insuring your Parcelforce parcels with Secursus.
Does Parcelforce insure jewellery and watches?
No. Jewellery, watches and clocks are excluded from Parcelforce compensation entirely. Secursus insures watches and jewellery at full value, up to £90,000.
Does Parcelforce cover gold, art or antiques?
No. Gold, silver, precious stones, antiques, fur and artworks are all excluded from Parcelforce compensation. Secursus insures jewellery, watches, precious stones, art and collectibles at their full declared value, up to £90,000.
What is Parcelforce's maximum compensation?
Parcelforce includes £150 compensation per item, and you can enhance cover up to a maximum of £2,500 per item (£7,500 per consignment). Secursus covers the full value, up to £90,000.
How much does Parcelforce enhanced compensation cost?
Enhanced compensation costs £7 for £750 of cover, £30 for £1,000, and £65 for £2,500, the maximum. Secursus insures from £1.50, at about 1%, with no £2,500 cap.
Can I insure my Parcelforce parcel with Secursus?
Yes. Ship your parcel with Parcelforce as usual, then insure it on Secursus the same day using your tracking number, up to £90,000, in about two minutes.
How do I make a Parcelforce insurance claim?
Report the loss or damage to Parcelforce, then open a claim with Secursus within 14 days of shipping. Keep your proof of posting and proof of value, and our team handles the rest.
Does Parcelforce pay the full value of my item?
No. Parcelforce pays the depreciated value, caps cover at £2,500, excludes consequential loss and gives no compensation on jewellery, gold, art or antiques. Secursus reimburses the full declared value, with no depreciation and no excess.
Is my Parcelforce parcel automatically insured?
Only in part. Parcelforce includes £150 of compensation, but payouts are depreciated, capped at £2,500 with enhanced cover, and jewellery, gold, art and antiques are excluded. For real cover you insure separately with Secursus.
When should I take out the insurance?
On the same day you ship. As you need a tracking number to insure, ship the parcel first and insure it on Secursus by 11:59pm on the day of departure.
Can I use Secursus with other UK carriers?
Yes. Secursus works with Parcelforce, Royal Mail, DPD, UPS, Evri and thousands of carriers worldwide. Sea carriers offering only container shipments are the exception.
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