Yodel insurance vs Secursus: what's actually covered
Compare Yodel cover with Secursus and see where it stops.
Yodel Insurance
- Maximum cover: £500
- Items over £500 (at your own risk)
- Anything with a battery (prohibited)
- Tech, cameras, collectables (no cover)
- Cash, bullion, glass (no cover)
Secursus Insurance
- Maximum coverage: £90,000
- Jewellery
- Collector's items
- Watches and clocks
- Musical instruments
| Parcel Value | Yodel Price | Secursus Price |
|---|---|---|
| £500 | Not applicable or unknown | £5.00 |
| £1,000 | Not applicable or unknown | £10.00 |
| £2,000 | Not applicable or unknown | £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 |
Parcel insurance with Secursus covers the full declared value up to £90,000, from £1.50. Yodel, now handled by InPost, gives free cover of only £50 and offers full-value cover only for items worth up to £500; items above £500 travel at your own risk, tech, cameras, collectables, glass and cash get no compensation, and anything with a battery is prohibited. Secursus covers the full value up to £90,000. Source: InPost (Yodel) prohibited and restricted items.
Insure your Yodel parcel in 3 steps
Ship your Yodel parcel as usual and insure it in a few clicks on Secursus.
How much does Yodel insurance cost in 2026?
£50 on every label bought in the app
A label bought through the InPost app carries £50 of cover at no extra charge. Buy the label through a retailer or a marketplace instead and the cover is whatever that platform offers, which is why a Vinted or retailer return has to be claimed through them rather than through the carrier.
Full value cover, capped at £500
At booking you can upgrade to full value compensation, but only for items worth up to £500. The upgrade is quoted in the app rather than published as a rate card, and it does nothing for an item above the ceiling.
| Yodel by InPost cover | Ceiling | Where it applies |
|---|---|---|
| Included cover | £50 | Labels bought in the app |
| Full value upgrade | Up to £500 | Items valued at £500 or less |
| Items worth more than £500 | No cover | Sent entirely at your own risk |
| Labels bought via a retailer or marketplace | Set by that platform | Claim goes to the platform |
| Secursus | £90,000 | Any carrier, any service |
The £500 ceiling is a network rule, not a cover level
InPost states that the maximum item value it accepts is £500, even when extra cover has been purchased. That makes the ceiling structural: it is not that a £900 camera is underinsured, it is that the network does not want it in the first place, and a loss leaves the sender with no claim at all.
What Yodel will not compensate
The non compensation list is long and it targets exactly the goods whose value is hard to replace. These items can travel, but nothing is paid if they are lost or broken.
| Category | Position | Effect on a claim |
|---|---|---|
| Tech and electronics without batteries | Non compensatory | Phones, laptops, consoles, TVs, no payout |
| Optical items | Non compensatory | Cameras, lenses, binoculars, no payout |
| Collectables | Non compensatory | Trading cards, signed memorabilia, no payout |
| Glass, ceramics and delicate items | Non compensatory | Breakage never paid |
| Cash, coins, bullion, gift cards | Non compensatory | No payout at any level |
| Handmade or personalised items | Partial at best | Only the evidenced cost of materials |
| Anything containing a battery | Prohibited | Not accepted in the network |
The battery rule catches most electronics
Tech without a battery is non compensatory, and tech with a battery, built in or removable, is prohibited outright. Between the two rules there is no version of a phone, a laptop or a games console that Yodel will both carry and compensate.
Claim windows: 7, 14 and 30 days
A lost parcel has to be reported within 7 days, a parcel marked as delivered but never received within 14 days, and damage within 30 days. Compensation is capped at £50 unless additional cover was bought, and the packaging has to meet the published requirements, so photographs taken before the drop off are worth the thirty seconds they cost.
Worked example: two £450 parcels
A £450 wool coat can take the full value upgrade and is paid at £450 if it goes missing. A £450 phone is prohibited because of its battery, so nothing is paid and nothing could have been bought. Insured with Secursus, both parcels cost £4.50, which is 1% of the declared value, and both are paid at the value declared, within 3 days of the file being validated.
Yodel insurance compared with Secursus
| Point of comparison | Yodel by InPost | Secursus |
|---|---|---|
| Included cover | £50 on app labels | None, cover is bought per parcel |
| Ceiling | £500 per item | £90,000 |
| Tech and electronics | Non compensatory or prohibited | Insured at declared value |
| Cameras and optical goods | Non compensatory | Insured at declared value |
| Collectables | Non compensatory | Insured at declared value |
| Price | Quoted at booking | 1% of value, from £1.50 |
| Claim windows | 7, 14 or 30 days by case | 14 days from shipping |
| Payment | After investigation | Within 3 days of validation |
When £50 is enough
Clothing, homeware and small low value goods are what this network is built for, and for them the included cover is a genuine free extra. Everything else runs into one of three walls: the £500 item ceiling, the non compensation list, or the battery rule.
Compare other UK carriers
No other UK carrier on this site refuses parcels on value alone. Evri insurance goes to £999 with Full Cover, DPD insurance keeps a £100 liability with Extended Cover on top, Royal Mail insurance reaches £2,500 on Special Delivery, Parcelforce insurance sells steps up to £2,500, GLS insurance pays by the kilo, UPS insurance and FedEx insurance price declared value at about 1%, and DHL insurance charges £12 up to £800. To see which network will take your parcel at all, compare parcel shipping solutions.
Why choose Secursus for your Yodel insurance?
We cover the items that Yodel 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 Yodel
- Receive compensation within 30 days of confirmation of the loss or damage by Yodel
Full Coverage up to £90,000
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
Yodel insurance questions
Everything you need to know about insuring your Yodel parcels with Secursus.
How much cover does a Yodel parcel include?
Fifty pounds when the label is bought through the InPost app. Labels bought through a retailer or a marketplace follow that platform's own cover.
Can I insure a Yodel parcel for more than £500?
No. Extra cover applies only to items valued up to £500, and the network states that £500 is the maximum item value it accepts, even with cover purchased.
Can I send a phone or a laptop with Yodel?
Not safely. Tech without a battery is excluded from compensation, and anything containing a battery is prohibited, so the item is either uncovered or refused.
Are cameras and lenses covered?
No. Optical items sit on the non compensation list, so a lost or damaged camera is not paid whatever cover was bought.
What about trading cards and signed memorabilia?
Collectables are non compensatory. They can travel, but a loss produces no payout.
How long do I have to report a problem?
Seven days for a lost parcel, 14 days for a parcel marked delivered that never arrived, and 30 days for damage.
Does packaging affect a Yodel claim?
Yes. Compensation is refused where the packaging did not meet the published requirements, so photograph the packed parcel before you drop it off.
I bought my label through Vinted, who handles the claim?
The platform that sold the label. InPost directs those claims back to the retailer or marketplace rather than handling them directly.
What does Secursus cover on a Yodel parcel?
The declared value up to £90,000, including the tech, cameras and collectables that Yodel does not compensate, from £1.50 per parcel.
When do I have to take out the Secursus cover?
After booking the label and before 11:59pm on the day the parcel leaves, because the tracking number is needed to open the policy.
This comparison was written by Valentin Scemama, expert in insurance and logistics.
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