# Ad Valorem insurance Protect the value of your shipments with our ad valorem insurance — activated in one click per order, billed at the end of each billing period. *** ### 1. Why subscribe to ad valorem insurance? By default, carrier compensation in the event of loss or damage is based on the **weight of the parcel**, not its declared value. For high-value or lightweight products, this means you could be significantly undercompensated. Ad valorem insurance acts as complementary coverage: it can reimburse up to the **invoice value of your order** (excluding VAT), as declared in Linkolis, up to a maximum of **€5,000 per parcel**. {% hint style="info" %} Ad valorem insurance is especially recommended for electronics, refurbished products, high-end goods, and any item where the value significantly exceeds the weight-based carrier compensation. {% endhint %} {% hint style="warning" %} Parcels with a declared value above **€5,000** are not covered by this insurance. The default setting for each order is **No insurance** — make sure to activate it if needed. {% endhint %} *** ### 2. How much does it cost? Insurance is billed as a **fixed fee per parcel**, based on the declared value. All insured shipments are processed via DPD. The fee is billed at the end of each billing period and only applies to orders that have been **prepared and shipped**. | Declared value | Fixed fee per parcel | Effective rate (approx.) | | --------------- | -------------------- | ------------------------ | | €0 – €750 | **€2.00** | \~0.3 – 0.5% | | €750 – €1,500 | **€4.00** | \~0.3 – 0.5% | | €1,500 – €3,000 | **€8.00** | \~0.3 – 0.5% | | €3,000 – €5,000 | **€16.00** | \~0.3 – 0.5% | {% hint style="success" %} The fee is calculated on the **total order value including shipping costs** (excl. VAT). Linkolis automatically selects the correct tier based on the declared value — nothing to configure manually. {% endhint %} Insurance charges are consolidated into your monthly Linkolis invoice — no separate billing or setup required. Questions about insurance pricing or coverage? Contact us at *** ### 3. How do I activate insurance on my orders? {% hint style="info" %} **Not sure which method applies to you?** All orders automatically → **A** · Manual order → **B** · Excel import → **C** · Existing order → **D** {% endhint %} #### A. Activate insurance globally (all orders)
You can activate ad valorem insurance for all your orders shipped by Linkolis directly from your account settings. 1. Click your account name in the top-right corner. 2. Select **Warranty**. 3. Check **Add AdValorem warranty to all your orders shipped by Linkolis**. 4. Click **Confirm**. Once enabled, every shipment will automatically include ad valorem insurance without needing to set it per order. *** #### B. Activate insurance on a manual order
When creating an order manually via **Add new order**, the **Shipping options** section includes a **Warranty** field. * Select **Yes** to activate ad valorem insurance for this shipment. * Select **No** to ship without insurance coverage. *** #### C . Activate insurance on an imported order (Excel) In the import template, fill in the **Insure ad valorem** column. | Input | Result | | ------------------------ | ----------------------------------------------- | | `yes` | Shipment is added **with** ad valorem insurance | | `no` | Shipment is added **without** insurance | | Empty or any other value | Shipment is added **without** insurance | *** #### D. Activate insurance on an existing order
You can add ad valorem insurance to an order that has already been created, as long as it has the status **Created**. 1. From the **Orders** page, locate the order. 2. Click the **···** button on the order row. 3. Select **Edit parcel**. 4. In the form, scroll down to the **Shipping options** section. 5. Set the **Warranty** field to **Yes**. 6. Click **Update order** to save.

This option is only available for orders with status Created. Once the order has entered fulfillment it can no longer be edited.

*** ### 4. Declared value — how it is determined The declared value is set per product in your inventory and is used to calculate the insurance premium.
#### Set the unit value on a product 1. Go to **Inventory**. 2. Click the **···** button on the product row. 3. Select **Edit**. 4. Enter the value in the **Unit value excl. tax (€)** field. 5. Click **Confirm**. #### Platform logic | Situation | Result | | ---------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | | Unit Value set on all products in the order | Insurance calculated based on the Unit Value | | Unit Value missing on one or more products + insurance activated | Order falls into **Errors** (warranty error type) — remains blocked until all products in the shipment have a Unit Value defined | | Marketplace price sync enabled + order imported from a connected Marketplace | Declared value is taken from the Marketplace price — Unit Value not required | ### 5. Keep your declared values in sync automatically
If you import orders from a connected marketplace or integration, you can activate the option to automatically import the selling price directly from the marketplace — so the declared value always reflects the real selling price at the time of the order. When this option is enabled: * You no longer need to manually update the unit value when your prices change * The declared value always reflects the real selling price * Orders will not fall into error due to a missing unit value

When this option is enabled, the unit value is automatically pulled from the marketplace or integration at the time the order is imported — overriding the value set manually in the product sheet.

This option applies only to orders imported from a connected marketplace. For manual orders and file imports, the unit value from the product sheet is always used.

To activate this option, go to your account settings → **Warranty** and enable **Synchronise product prices from the Marketplace**. *** ### 6. How do I submit a claim? If your shipment was lost or damaged during transit, you can submit a claim directly from your Linkolis account. There are two ways to do this. #### Option A — From the Claims page Navigate to the **Claims** page and click **New claim** in the top-right corner. This opens the claim creation form. For full details on how to fill in the form, see What is a claim?. #### Option B — Directly from an order 1. Go to the **Orders** page and find the order you want to report. 2. Click the **⋯** button at the end of the row to open the options menu. 3. Select **Report an incident**. 4. In the form, choose what your claim concerns from the **Your claim concerns** dropdown. 5. Describe the issue in the message field and attach any relevant documents (photos, delivery proof, etc.) using the **Upload** button. 6. Submit your request. Our team will process it as quickly as possible. To follow up on your claim, go to the **Claims** page in your account. {% hint style="warning" %} Claims can only be submitted for orders with a status of **Shipped**. Orders marked as delivered but reported as not received by the customer are not eligible — only tangible proof of loss or damage is accepted. {% endhint %} *** ### 7. Coverage exclusions Ad valorem insurance cannot be activated in certain cases. The following is a non-exhaustive list of exclusions: * **Unexplained disappearance** — e.g. a parcel marked as delivered by the tracking link but not received by the customer, for a service without counter-signature * **Inherent defect or quality issue** — damage caused by a defect or vice of the goods themselves * **Declared value above €5,000** — parcels exceeding this threshold are not eligible * **Wrong order status** — claims can only be submitted for orders in **Shipped** status If you have any doubt about whether your shipment qualifies, contact us at before submitting a claim. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.linkolis.com/orders/ad-valorem-insurance.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.