What does royal mail insurance cover

Royal Mail offers various insurance options to protect your valuable items against loss, damage, or theft while in transit. Here's a breakdown of what Royal Mail insurance typically covers:

Standard Insurance

• Covers loss or damage to items up to £20 (approx. $26 USD) in value, free of charge.
• Applies to most items sent via Royal Mail services, including letters, parcels, and packets.

Extra Cover

• Offers additional insurance coverage for items valued between £20 and £2,500 (approx. $3,300 USD).
• Covers loss, damage, or theft of items, including:
  • Accidental damage (e.g., tears, creases, or water damage)
  • Theft or loss of items while in transit
  • Delayed or missing items
• You can purchase Extra Cover online or at a Post Office branch.

Special Delivery Insurance

• Offers higher insurance coverage for valuable or high-risk items, up to £5,000 (approx. $6,600 USD).
• Covers loss, damage, or theft of items, including:
  • Accidental damage (e.g., tears, creases, or water damage)
  • Theft or loss of items while in transit
  • Delayed or missing items
• You can purchase Special Delivery Insurance online or at a Post Office branch.

What's not covered

• Royal Mail insurance does not cover:
  • Items sent without the correct postage or packaging
  • Items that are fragile, perishable, or have a high value (e.g., jewelry, cash, or precious metals)
  • Items that are sent to or from countries that are subject to international sanctions
  • Items that are sent via Royal Mail's Special Delivery Guaranteed by 1pm or Special Delivery Guaranteed by 9am services

Claims process

• If your item is lost, damaged, or stolen, you'll need to report the incident to Royal Mail within 28 days.
• You'll need to provide proof of value, proof of purchase, and other relevant documentation to support your claim.
• Royal Mail will investigate and settle your claim according to their terms and conditions.

Remember to always check the Royal Mail website or consult with a Post Office branch for the most up-to-date information on insurance coverage and claims procedures.