Cargosender's own terms list specific categories no policy covers by default — worth knowing before you assume a purchase is protected.
Cargosender's Terms and Conditions state plainly that no insurance policy covers certain categories of item unless the carrier or insurance company has explicitly confirmed otherwise. That's a meaningfully different situation from a policy that simply pays out less — for these categories, the default position is no cover at all, regardless of what value you declare.
This is separate from the prohibited items list. Some genuinely valuable categories — jewelry, art, precious metals, antiques, cash — are prohibited from being shipped at all under the terms, not merely excluded from cover. The categories below can be shipped; they just aren't automatically insured.
| Category | What to know |
|---|---|
| Food, including liquid food | No default cover, in addition to whatever restrictions apply to shipping food at all — check the restrictions guide for perishables. |
| Fragile items such as glass and porcelain | Not covered by default even when packed carefully — pack to the standard in the fragile items guide regardless, since inadequate packing is also a separate reason claims fail. |
| High-value items generally | No default cover for the category as a whole, separate from the specific value threshold below. |
| Individual items valued over EUR 5,000 | Not covered at all unless the carrier or insurance company explicitly confirms otherwise. Items valued above EUR 2,000 must be reported to Cargosender in writing regardless. |
| Items with sentimental value | Excluded by default — sentimental value isn't a figure any policy prices in, and a declared monetary value doesn't change that. |
Jewelry (including watches), works of art, precious metals and stones, antiques and cash are prohibited items under Cargosender's terms — they can't be shipped at all, insured or not.
The categories in the table above can be shipped, but aren't automatically covered — that's a different problem, and one worth confirming before you rely on cover being there.
A high declared value doesn't create cover for an excluded category. Declared value and insurance eligibility are separate questions.
Only if the carrier or insurance company explicitly confirms it in advance. It isn't automatic, and isn't something a higher declared value alone secures.
Cargosender's terms exclude this category from default cover. Packing them properly still matters regardless, since inadequate packing is a separate reason a claim can fail.
It's a requirement in Cargosender's terms: individual items valued above EUR 2,000 must be reported in writing, separately from the EUR 5,000 threshold above which cover doesn't apply at all without explicit confirmation.
No. Prohibited items — jewelry, art, precious metals, antiques, cash — can't be shipped at all. The categories here can be shipped, but aren't covered by insurance by default.
Confirm in writing before you book if your item is valuable, fragile by default, or over EUR 2,000.
Contact Support →