Legal

Insurance Terms

Last updated: 1 May 2026

Standard Cover

Up to $500

Included free with every shipment

Enhanced Cover

Up to $5,000

Available at checkout for a small fee

Premium Cover

Up to $10,000

For high-value and fragile goods

1. Overview

Every shipment sent through Accessiblexpress is automatically covered against loss and physical damage up to USD $500 at no extra cost. This coverage is underwritten by Lloyd's of London syndicate partners and administered by Accessiblexpress Ltd. You may purchase enhanced or premium coverage at checkout.

2. What Is Covered

Physical loss of the entire shipment while in our custody
Physical damage to the contents caused by mishandling, collision, or crushing during transit
Theft while in our possession or that of our contracted carrier partners
Water damage resulting from carrier handling (not weather events)

3. What Is Not Covered

Damage caused by inadequate or inappropriate packaging by the sender
Inherent vice, deterioration, or perishable goods
Delay, even if the shipment is ultimately lost
Consequential losses (e.g. lost business, missed deadlines)
Items in the prohibited list (see Terms of Service §4)
Cash, jewellery, precious stones, art, or antiques unless declared and premium cover selected
Electronic devices with pre-existing damage
Loss or damage occurring after delivery is confirmed (signature or photo)
Acts of war, terrorism, or government seizure

4. Declared Value

You must declare the accurate commercial or replacement value of your shipment at booking. Underdeclaring value to reduce shipping costs will void your coverage. In the event of a claim, we may request proof of value (purchase receipts, invoices, or professional valuations).

5. How to File a Claim

Report within 14 days of the expected or actual delivery date (7 days for visible damage).
Log in to your account and go to My Shipments → File a Claim.
Upload supporting evidence: photos of damage, original packaging, proof of value.
Our claims team will acknowledge within 2 business days and aim to resolve within 10 business days.
Approved payments are issued within 48 hours of resolution via your original payment method or bank transfer.

6. Claims Evidence Requirements

To maximise the chance of a successful claim, retain:

The original packaging (do not discard until the claim is resolved)
Photographs of the damage and packaging from multiple angles
Original purchase receipt or invoice for the damaged/lost items
Tracking information showing the shipment was in our custody at time of loss/damage

7. Subrogation

Where we pay a claim, Accessiblexpress Ltd acquires all rights of subrogation against responsible third parties. You agree to cooperate with any recovery action and to not settle independently with third parties once a claim has been approved.

8. Fraud

Submitting a fraudulent claim — including misrepresenting the value or condition of goods — will result in immediate account termination, forfeiture of all pending shipments, and may result in criminal prosecution.

9. Limitation of Liability

Our total liability for any single shipment, regardless of coverage tier purchased, shall not exceed USD $10,000. This limitation applies even if we have been advised of the possibility of greater loss.

10. Contact the Claims Team

Accessiblexpress Ltd · Claims Department
3800 N Lamar Blvd, Suite 200, Austin, TX 78756, USA
claims@accessiblexpress.com · +1 (512) 678-5044