Parcels insurance
You may use Polar Express, LLC parcel insurance for risks connected with parcel delivery. When forming a parcel and paying the fee, you agree to the insurance and compensation terms.
Polar Express, LLC undertakes to review a claim when there are sufficient grounds to confirm an insured event, then calculate and pay compensation within the ordered insurance maximum.
You agree to receive payments from Polar Express, LLC to your personal account on polexp.com.
You understand that reimbursement payment is the final result of the claim review and agree to release Polar Express, LLC from further claims, proceedings, and/or disputes related to the parcel once insurance payment has been made.
Insurance applies to the international delivery period from the Polar Express, LLC warehouse to the addressee. It does not cover Polar Express, LLC commission, delivery costs from the seller to the Polar Express, LLC warehouse, possible taxes, or duties at any stage.
Insured value and payment
Parcel contents are insured while the current parcel is being formed. You independently specify the value of the goods to be protected.
The value you specify for insurance cannot exceed the invoice and/or declared value of the contents, but it may be lower. If the value you specify is lower than the invoice value, each item is considered partially protected. In that case, the insured value of each item is calculated as a percentage of the total invoice value of the goods to the insurance amount specified by you.
The actual insurance payment for the selected insurance maximum is charged after the parcel is packed.
The maximum insurance payment may equal, but cannot exceed, the confirmed invoice value of the contents. Delivery cost is refundable only in cases of shipment loss and/or total shortage or damage: an empty parcel was received, or the only item in the parcel was completely destroyed.
The declared value for postal services must match the confirmed invoice value of the contents.
The cost of parcel insurance is calculated at the rate of $101-$600 = $5 based on the item value. Please note that $100 insurance is already included in the delivery cost in case of complete parcel loss.
Packages shipped by PE-BP/EMS Small Package and First Class (USPS) are not insured.
You may cancel insurance and return the funds paid for the service only if the parcel has not been shipped. Cancellation of the ordered service for a shipped parcel is impossible.
Insurance events and claims
Insurance events include:
- loss of a shipment during delivery based on carrier search results;
- shortage or missing items in the parcel upon receipt;
- damage to goods during delivery.
Loss or shortage claims are accepted only by written application.
A parcel can be recognized as lost only after a search conducted by the carrier. Polar Express, LLC may initiate a search for tracked delivery methods according to the deadlines set for each method in the Delivery section. Search terms average 30-60 days, but vary by delivery method in each specific case.
If a parcel is recognized as lost or not found after the search, an insurance claim is created for it.
To file a shortage or damage claim, you must provide sufficient documentary proof to support the claim within 3 days after receiving the parcel. We recommend reviewing the parcel receiving instructions.
Further investigation and compensation actions will be handled by our company.
Right of refusal
Polar Express, LLC may refuse to provide insurance before shipment without explaining the reason.
Polar Express, LLC may refuse payment on grounds including, but not limited to, the following:
- you reported parcel delay or loss after the permitted search deadlines, or reported an insured event later than 3 calendar days after parcel delivery;
- you refused or failed to provide claim-supporting documents within 3 days after the claim request;
- you refused or failed to confirm the invoice value of the contents;
- the declared value was found to be overstated;
- prohibited contents were found in the parcel;
- the parcel was detained or confiscated by authorized authorities, including customs;
- the parcel was found and delivered after being recognized as lost.
Amount and payment of reimbursement
Compensation for shortage in a parcel cannot exceed the invoice value of the missing item. Delivery cost is not reimbursed for partial shortage.
Compensation for damaged goods is calculated based on the nature of the damage and the assessed loss caused to the goods.
If you received the item, compensation may only be partial, except in cases of total damage that fully destroyed the item. The partial compensation amount is calculated individually in each case. Delivery cost for damaged contents is not reimbursed.
If you refuse damaged goods at the time of delivery and the parcel is returned to the sender, the contents are requisitioned by Polar Express, LLC, and you are paid the full reimbursement amount according to the invoice value. Delivery cost is not refunded.
If you refused a parcel that contained other goods in addition to the damaged item, then after return those goods will be added to your account at the Polar Express, LLC warehouse and charged as purchase registration. Their processing and shipping costs are paid by you separately.
Reimbursement is paid by crediting funds to your personal account on polexp.com. You may use the funds at your discretion: to pay for Polar Express, LLC services or to withdraw them. Funds received as reimbursement are withdrawn under the standard process.
If a parcel previously considered lost is found after compensation has been paid, the paid compensation amount must be returned by debiting the credited compensation from your account, including creation of debt if applicable. After the debit, you must cover the resulting debt in full within no more than 30 calendar days from the debit date.
If you do not comply with the insurance terms, Polar Express, LLC reserves the right to refuse review of current and/or future claims, suspend account service, and impose additional sanctions at the discretion of Polar Express, LLC.
