Comparison
DPD Insurance vs CIO Cargo Insurance
Understand the differences between DPD extra cover (declared value) and CIO Cargo Insure Online — compare costs, coverage limits, exclusions and claims handling.
Couriers
DPD
European parcel network offering Extra Cover insurance on top of standard liability.
About DPD
- Overview
- DPD is one of Europe's largest parcel delivery networks, part of Geopost / La Poste Group.
- Headquarters
- Issy-les-Moulineaux, France
- Countries served
- 230+ countries
- Services offered
- B2C and B2B parcel delivery, predict notifications, returns, e-commerce integrations.
- Typical users
- E-commerce retailers and SMEs across Europe.
Insurance overview
| Coverage type | Extra Cover (declared value) |
|---|---|
| Maximum coverage | Up to EUR 13,000 with Extra Cover |
| International coverage | Yes |
| Domestic coverage | Yes |
| Claims process | Online claim within 14 days of delivery or expected delivery date. |
| Major exclusions | Jewellery, watches, money, perishables, glass, marble, ceramics. |
Premium comparison
| Shipment value | DPD cost | CIO cost | Savings |
|---|---|---|---|
| USD 1,000 | USD 15.00 | USD 5.00 | Save USD 10.00 (67%) |
| USD 5,000 | USD 75.00 | USD 22.50 | Save USD 52.50 (70%) |
| USD 10,000 | USD 150.00 | USD 45.00 | Save USD 105.00 (70%) |
| USD 25,000 | Not covered (over limit) | USD 112.50 | CIO covers full value |
| USD 50,000 | Not covered (over limit) | USD 225.00 | CIO covers full value |
| USD 100,000 | Not covered (over limit) | USD 450.00 | CIO covers full value |
Indicative estimates based on published carrier rate cards and a CIO illustrative rate of 0.45%. Actual premiums depend on commodity, lane and risk; request a live CIO quote for binding figures.
Why businesses choose CIO
| Feature | DPD | CIO |
|---|---|---|
| Independent insurance | ||
| Multi-carrier coverage | ||
| Door-to-door protection | ||
| International shipments | ||
| Freight coverage | ||
| Parcel coverage | ||
| API integration | ||
| White-label available | ||
| Instant certificates | ||
| Cargo specialists |
Coverage comparison
What DPD covers
Extra Cover (declared value) up to Up to EUR 13,000 with Extra Cover.
Excludes: Jewellery, watches, money, perishables, glass, marble, ceramics.
What CIO covers
All-risk cargo insurance on a door-to-door basis (Institute Cargo Clauses A), with limits up to USD 5M+ per shipment subject to underwriting.
Includes general average, war & strikes (extension), and shipments across all major couriers, freight forwarders and modes.
Common claims examples
Lost package
DPD outcome
Compensation up to declared value, after investigation period and proof of value — often denied without purchased coverage.
CIO outcome
Full insured value paid, subject to ICC(A) and policy terms, typically settled within days of documented loss.
Water damage in transit
DPD outcome
Often excluded unless attributable to carrier negligence; weather and force-majeure events commonly declined.
CIO outcome
Covered under all-risk cargo terms, including weather-related incidents and concealed damage.
Theft during transit
DPD outcome
Covered only with purchased declared value and provided packaging requirements were met; routinely contested.
CIO outcome
Theft and pilferage included as standard under ICC(A) with broad door-to-door cover.
Misdelivery
DPD outcome
Liability limited to convention caps (Warsaw / Montreal / CMR) unless declared value purchased.
CIO outcome
Insured value paid, with the insurer pursuing recovery against the carrier on your behalf.
Handling damage
DPD outcome
Frequently excluded when packaging is deemed insufficient by the carrier; burden of proof on shipper.
CIO outcome
Covered subject to reasonable packaging standards; expert surveyors handle damage assessment.
Warehouse incidents (pre-shipment)
DPD outcome
Not covered — carrier liability starts on pickup and ends at delivery.
CIO outcome
Covered under door-to-door extension including limited storage and consolidation periods.
DPD insurance FAQs
›What is DPD Extra Cover?
Extra Cover is DPD's add-on that increases the carrier's liability up to a chosen declared value.
Protect your shipments beyond carrier liability
Get instant cargo insurance quotes with CIO Cargo Insure Online — independent, multi-carrier, door-to-door.