Imagine this: you've just packed a beautiful handmade vase, carefully wrapping it with layers of bubble wrap and placing it snugly in a sturdy box. It's a gift for a loved one, or maybe a valuable order for a customer. You drop it off with the courier, confident it'll reach its destination. But then, the unthinkable happens—your parcel gets lost, or worse, arrives damaged.

Shipping parcels can be nerve-wracking, especially when the stakes are high. Whether you're a small business owner shipping products or an individual sending gifts, the fear of loss or damage is always at the back of your mind. That's where parcel insurance comes in to save the day.

At MicroCover, we understand your worries. That's why we've designed a system that's simple, transparent, and affordable—giving you peace of mind from the moment your parcel is picked up to when it safely lands in your recipient's hands. Ready to learn how to protect your parcels with MicroCover?

Let's dive in.

How to Purchase Parcel Insurance on MicroCover

MicroCover offers a user-friendly platform via web and mobile app. Here's how you can insure your parcels in three easy steps:

1. Login: Use your mobile number to access your account.
2. Declare: Enter your parcel's value and a brief item description.
3. Pay: The surcharge is calculated based on the declared value, and you can complete the payment instantly.

Is Your Item Covered?

MicroCover provides coverage against loss and damage worldwide (excluding war-torn countries). However, certain items are excluded:

Not Covered Items like alcohol, luxury goods (jewelry), antiques, perishable goods, and fragile items like glass.

Specific Limitations Some items, such as car accessories and furniture, are covered for loss only.

Check the detailed exclusions list here before shipping to ensure your parcel qualifies for coverage.

Full Coverage vs. Partial Coverage

Full Coverage	Partial Coverage
Protects against both loss and damage, up to RM5,000.	Protects against loss only, suits best for second item, up to RM5,000.

Submitting a Claim

If your insured parcel gets lost or damaged, submitting a claim is straightforward:

1. Report the issue within 72 hours of delivery.
2. Visit MCAP and input your consignment note number.
3. Prepare required documents:
   • Consignment Note
   • Police Report (for lost items)
   • Item Invoice
   • Repair Bill (for damaged items)
   • Claim Letters (to/from courier and insurance companies)

MicroCover partners with MCAP to streamline the claims process, ensuring you receive your compensation promptly.

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By choosing MicroCover, shippers benefit from comprehensive insurance solutions tailored to their needs. Whether you're shipping locally or internationally, MicroCover ensures your parcels are safeguarded at every step of their journey.