Comparison
TNT Insurance vs CIO Cargo Insurance
Understand the differences between TNT enhanced liability or insurance and CIO Cargo Insure Online — compare costs, coverage limits, exclusions and claims handling.
Couriers
TNT
International express courier (part of FedEx) offering Enhanced Liability and insurance.
About TNT
- Overview
- TNT Express is an international courier service, fully integrated with FedEx since 2016.
- Headquarters
- Hoofddorp, Netherlands
- Countries served
- 200+ countries
- Services offered
- Express parcel, freight, air and road network across Europe and Asia.
- Typical users
- European B2B shippers, industrial and automotive supply chains.
Insurance overview
| Coverage type | Enhanced Liability or Insurance |
|---|---|
| Maximum coverage | Up to EUR 25,000 declared value |
| International coverage | Yes |
| Domestic coverage | Yes |
| Claims process | Notify within 7 days for damage, 21 days for loss. |
| Major exclusions | Glassware, ceramics without proper packaging, dangerous goods, perishables. |
Premium comparison
| Shipment value | TNT cost | CIO cost | Savings |
|---|---|---|---|
| USD 1,000 | USD 28.00 | USD 5.00 | Save USD 23.00 (82%) |
| USD 5,000 | USD 140.00 | USD 22.50 | Save USD 117.50 (84%) |
| USD 10,000 | USD 280.00 | USD 45.00 | Save USD 235.00 (84%) |
| USD 25,000 | USD 700.00 | USD 112.50 | Save USD 587.50 (84%) |
| 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 | TNT | 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 TNT covers
Enhanced Liability or Insurance up to Up to EUR 25,000 declared value.
Excludes: Glassware, ceramics without proper packaging, dangerous goods, perishables.
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
TNT 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
TNT 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
TNT 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
TNT 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
TNT 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)
TNT 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.
TNT insurance FAQs
›What is TNT Enhanced Liability?
Enhanced Liability raises TNT's default convention-based liability up to a declared value cap, but is not a full all-risk insurance policy.
Protect your shipments beyond carrier liability
Get instant cargo insurance quotes with CIO Cargo Insure Online — independent, multi-carrier, door-to-door.