Secursus.com Review

Based on checking the website, Secursus.com offers parcel insurance services. However, the nature of insurance, particularly as presented on Secursus.com, raises concerns regarding its ethical alignment. Traditional insurance models often involve elements of gharar excessive uncertainty and riba interest, which are generally not permissible. The service covers items often excluded from conventional carrier insurance, including high-tech, computers, watches, jewelry, luxury clothing, second-hand items, and collectibles. The website highlights full coverage against loss, theft, and damage, with a high-value cover up to US$120,000 per parcel. Payments are case-by-case, with no commitment or subscription required. The platform emphasizes ease of use, competitive pricing claiming to be 40% to 80% lower than alternatives, and a straightforward claims process.

Here’s an overall review summary:

• Service Type: Parcel Insurance Brokerage
• Key Offerings: Full coverage for high-value items against loss, theft, and damage, including often-excluded goods.
• Coverage Limit: Up to US$120,000 per parcel.
• Pricing Model: Pay-as-you-go, no subscription, competitive rates.
• Claims Process: Online submission, direct contact with in-house claims handlers, payment within 30 working days via instant bank transfer.
• Ethical Consideration: Due to the inherent nature of conventional insurance, including its reliance on gharar uncertainty and potential for riba interest-based transactions, this service is not recommended. It falls into a category that requires careful scrutiny for ethical compliance, and as presented, it leans towards non-permissible financial structures.
• Transparency: Provides detailed FAQs, terms and conditions, and clear explanations of the process.
• Customer Service: Email support available in multiple languages.

While Secursus.com aims to simplify parcel insurance and offer comprehensive coverage for high-value items, the underlying structure of conventional insurance contracts raises significant ethical questions.

These contracts typically involve elements where the outcome is uncertain for one or both parties, and often include a premium payment that may not directly correlate with a defined service, but rather a risk transfer, which can be problematic.

Furthermore, the handling of funds within such systems can involve interest-bearing accounts or investments, which are not permitted.

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For those seeking to adhere to ethical principles, exploring alternatives that operate on cooperative risk-sharing models rather than conventional insurance is crucial.

Here are some alternatives focused on ethical and permissible solutions for safeguarding assets or facilitating transactions, emphasizing principles of cooperation and direct value exchange, avoiding the problematic elements of conventional insurance:

• Secure Shipping Services with High Trust Ratings
  • Key Features: Focus on reputable carriers with strong security protocols, package tracking, and proven delivery records. Emphasize prevention of loss/damage rather than compensation after the fact.
  • Average Price: Varies widely based on carrier, speed, and package size/destination. Typically a component of the overall shipping cost.
  • Pros: Direct control over carrier selection, strong emphasis on reliable delivery, often includes basic liability coverage within shipping fees.
  • Cons: Basic liability coverage might be insufficient for high-value items, does not offer full “insurance” in the conventional sense.
• Robust Packaging Solutions
  • Key Features: High-quality boxes, cushioning materials bubble wrap, packing peanuts, foam inserts, reinforced tape, and tamper-evident seals. Designed to prevent damage during transit.
  • Average Price: Relatively low, ranging from a few dollars for basic supplies to tens of dollars for specialized protective kits.
  • Pros: Directly addresses the risk of physical damage, cost-effective, gives peace of mind knowing the item is well-protected.
  • Cons: Cannot prevent loss or theft, only mitigates damage. Requires effort in proper packing technique.
• Professional Logistics & Freight Forwarding Services
  • Key Features: Comprehensive handling of shipping logistics, including customs clearance, specialized handling for fragile or valuable goods, and optimized routing. Often involves direct supervision of cargo.
  • Average Price: Significantly higher than standard parcel services, depends on complexity, distance, and item value.
  • Pros: Expert handling reduces risks, tailored solutions for unique shipping needs, enhanced security measures.
  • Cons: Higher cost, not suitable for small, routine parcels.
• Secure Storage Solutions for Valuables
  • Key Features: Bank vaults, safety deposit boxes, or specialized secure storage facilities with advanced security systems surveillance, access control, climate control.
  • Average Price: Annual fees for safety deposit boxes can range from $50 to $500 depending on size and location. Specialized storage facilities are more expensive.
  • Pros: Highest level of physical security for items not currently in transit, protection against theft, fire, and natural disasters.
  • Cons: Not a shipping solution, only for static storage. Inconvenient for frequent access.
• Smart Tracking Devices for Parcels
  • Key Features: Small, portable GPS or Bluetooth trackers that can be placed inside parcels to monitor their real-time location. Some offer geofencing and alerts.
  • Average Price: $20 – $100 per device, plus potential subscription fees for cellular/GPS models.
  • Pros: Provides real-time visibility and enhanced security, can aid in recovery if a parcel is lost or stolen.
  • Cons: Does not prevent loss or damage, only tracks. Battery life can be a concern.
• Home Security Systems indirect alternative for receiving valuable parcels
  • Key Features: Doorbell cameras, motion sensors, alarm systems, and smart locks to secure delivery points and deter porch piracy.
  • Average Price: $100 – $500+ for DIY systems, professional installation and monitoring subscriptions add to the cost.
  • Pros: Protects delivered packages from theft at the recipient’s end, offers general home security benefits.
  • Cons: Does not cover transit risks, only the final delivery point.
• Strong Document Safes & Fireproof Boxes
  • Key Features: Designed to protect important documents and small valuables from fire, water, and theft. Some are portable for secure transport.
  • Average Price: $30 – $200 depending on size and ratings.
  • Pros: Excellent for securing documents and small items at home or during very short, direct transports.
  • Cons: Limited in size, not suitable for shipping large parcels, primary function is static protection.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Secursus.com Review & First Look

Based on looking at the website, Secursus.com presents itself as a specialized parcel insurance broker, aiming to fill gaps left by traditional carrier insurance. The homepage immediately highlights its core value proposition: “Insure a parcel in just 2 minutes” with promises of “lowest rate” and “full coverage against loss, theft and damage.” They also boast a “high value cover up to US$120,000 per parcel.” This rapid onboarding and high coverage limit are certainly eye-catching for anyone regularly shipping valuable goods.

From an initial scan, the site’s layout is clean and user-friendly, with prominent calls to action like “Sign up now!” and an interactive “Insurance calculator.” This accessibility suggests a focus on convenience, a key factor for individuals and businesses alike. However, it’s crucial to dissect what “insurance” entails within the framework they present. The service operates on a case-by-case payment model, meaning no commitments or subscriptions, which sounds flexible. Yet, the very nature of insurance, particularly conventional models, involves elements that are generally not permissible, such as gharar excessive uncertainty and potential riba interest. While Secursus.com tries to make it seem simple, the underlying financial mechanisms of conventional insurance can be problematic. They claim to refund goods at their highest value, even for second-hand items, distinguishing themselves from carriers who “always try to refund the lowest possible value.” This positioning directly targets a pain point for many shippers.

The Problematic Nature of Conventional Insurance

At its core, conventional insurance, as typically offered, involves a contract where one party the insurer agrees to compensate another party the insured for a specific loss in exchange for a premium. This arrangement often contains elements of gharar uncertainty and riba interest.

• Gharar Uncertainty: In a traditional insurance contract, the insured pays a premium for a future event that may or may not occur. If the event doesn’t happen, the insurer keeps the premium without providing any direct, tangible service. If it does happen, the insurer pays out a sum often disproportionate to the premium. This uncertainty over the exchange of value is a significant issue. For example, if you pay $100 for parcel insurance and your parcel arrives safely, the $100 is effectively taken without a clear, immediate exchange of a known good or service.
• Riba Interest: Insurance companies typically invest the premiums they collect in interest-bearing assets like bonds or conventional stocks. The profits generated from these interest-based investments then contribute to their ability to pay out claims and generate income. This direct involvement with interest, whether in their investment practices or the structure of their financial operations, renders the overall business model problematic.

Secursus.com’s Business Model and Ethical Scrutiny

Secursus.com states they are an “insurance broker” and that “Your insurance claims are paid by A+ insurance companies with which we are affiliated.” This immediately signals that they are operating within the conventional insurance framework.

While they simplify the user experience, they are facilitating access to a system that, by its very design, embodies the ethical concerns mentioned above. Openinfra.com Review

They are not offering a cooperative mutual aid system but rather a commercial insurance product.

Therefore, despite its user-friendly interface and competitive pricing, Secursus.com, by facilitating conventional insurance, falls into a category that requires caution and, where possible, avoidance for those seeking to adhere to ethical financial principles.

Secursus.com Features Ethical Concerns Highlighted

While Secursus.com showcases a range of features designed to make parcel insurance accessible, it’s crucial to remember that these features are built upon a foundation that raises ethical questions.

Instead of simply listing features, we’ll examine them through the lens of their practical implications and highlight where the underlying conventional insurance model presents concerns.

Simplified Onboarding and Payment

The website prides itself on a “sign up and insure your parcel in just 2 minutes” process. Swanscout.com Review

They emphasize ease of use, requiring only a tracking number, carrier name, and parcel value.

Payment is on a “case-by-case basis,” meaning no prepaid credits, commitments, or subscriptions.

This pay-as-you-go model is touted as flexible, catering to both individuals and businesses.

• Ease of Use: Their streamlined process is undoubtedly convenient. In a world where time is money, quick sign-ups and instant coverage calculations are attractive.
• Payment Flexibility: The “no commitment” policy avoids forcing users into long-term contracts, offering a seemingly low-risk entry point.
• Ethical Note: While these features enhance user experience, they don’t alter the fundamental problematic nature of the conventional insurance contract. The ease of access merely makes it simpler to engage in a transaction that may be questionable due to gharar and riba.

Comprehensive Coverage for High-Value Items

Secursus.com positions itself as a solution for items “usually excluded from traditional insurance, even those considered at risk: high-tech, computers, watches, jewelry, luxury clothing, second-hand and collectibles.” They claim to offer “full coverage against loss, theft and damage” and refund goods at their “last retail value or actual purchase value,” without deductibles or depreciation.

• Broad Item Coverage: This is a significant draw, as many valuable items are indeed difficult to insure through standard carriers. The promise of covering high-risk goods like jewelry and electronics is appealing.
• Full Value Reimbursement: Their commitment to refunding at retail or actual purchase value, even for second-hand items, stands in contrast to many carrier policies that may depreciate value or impose deductibles.
• Ethical Note: The more extensive the coverage, the more complex the underlying risk assessment and financial structuring become, potentially deepening the involvement in gharar. The promise of “full coverage” is enticing but doesn’t resolve the inherent issues of the insurance contract itself.

Streamlined Claims Process

The website assures a “straightforward” claim process: “If your parcel is lost, stolen or broken during transit submit your documents on our claim platform. Dallasdesignerhandbags.com Review

Once all documents are submitted and your claim is accepted, you will be paid within 30 working days.” They also highlight direct contact with “in-house claims handlers.”

• Online Claim Submission: Digitalizing the claims process makes it more accessible and reduces paperwork.
• Defined Payout Timeline: A 30-working-day payout period provides clarity and a timeframe for compensation, which is valuable for businesses relying on quick resolutions.
• In-house Handlers: Direct contact with claims handlers can potentially lead to more personalized and efficient service compared to large, impersonal insurance corporations.
• Ethical Note: While efficiency in claims handling is desirable, it relates to the execution of the contract, not its fundamental nature. The process of making a claim is part of the problematic gharar dynamic, where a payment is made the premium for a potential future payout, which, if it occurs, involves the transfer of funds through means that may include interest-based investments.

Integration Solutions for Businesses

For businesses, Secursus.com offers “Integration solutions” via API, enabling automated insurance operations directly from websites, CRM, or apps.

They provide “connectors and an API,” a “complete and intuitive dashboard,” and “white-label interfaces.”

• Automation: Automating insurance processes saves significant time and administrative effort for high-volume shippers.
• Dashboard & White-label: These tools provide businesses with control and customization over their shipping insurance offerings, potentially enhancing their customer experience.
• Ethical Note: Business integration makes it easier for companies to incorporate conventional insurance into their operations, thereby extending the reach of a problematic financial model. The convenience for businesses doesn’t negate the ethical implications for the end-user or the business itself, which is engaged in facilitating such transactions.

Secursus.com Pros & Cons

When evaluating Secursus.com, it’s important to look at both its operational benefits and its ethical drawbacks.

Given the focus on ethical considerations, the “Pros” here are primarily operational advantages that make the service appealing from a conventional business standpoint, while the “Cons” will heavily emphasize the ethical concerns that make it problematic. Dmtechlabs.us Review

Cons Ethical & Operational Drawbacks

The primary “Cons” of Secursus.com stem from its fundamental nature as a conventional insurance provider, which involves aspects not permissible.

• Involvement in Gharar Excessive Uncertainty: This is the most significant ethical drawback. The very essence of insurance contracts, where premiums are paid for protection against an uncertain future event, inherently contains gharar. If the insured event loss, damage doesn’t occur, the premium paid is effectively forfeited without a direct, tangible exchange of value. This speculative element is ethically problematic.
  • Impact: A user pays a premium, but the benefit is contingent on a loss occurring. If no loss, no benefit is received, leading to an uncertain and potentially inequitable exchange.
• Potential for Riba Interest: Insurance companies typically invest collected premiums in interest-bearing instruments to generate returns and ensure liquidity for claims. While Secursus.com is a broker, it facilitates access to these conventional insurance companies whose financial operations are often intertwined with interest.
  • Impact: Even if a user doesn’t directly pay interest, their premium contributes to a system that profits from interest, making the transaction ethically questionable.
• Commercial Non-Cooperative Model: Unlike cooperative risk-sharing models like Takaful, conventional insurance is a commercial transaction designed to generate profit for shareholders. This profit motive can sometimes conflict with the best interests of the insured, and the accumulation of wealth through means that include gharar and riba is problematic.
  • Impact: The transaction is a speculative commercial contract, not a cooperative mutual aid system.
• Limited Direct Ethical Oversight: As a broker, Secursus.com acts as an intermediary. While they might vet their affiliated insurers for financial stability “A+ insurance companies”, there’s no indication that they vet them for ethical compliance regarding financial principles.
  • Impact: Users are essentially directed to conventional insurance providers whose operations may not align with ethical standards.
• Exclusion of Certain Carriers: While they cover many, Secursus.com explicitly states they do not cover “carriers who ship goods by river or sea” or those offering deliveries to “parcel shops.” This limits the scope for specific shipping needs.
  • Impact: Not a universal solution for all shipping scenarios, requiring users to find alternative arrangements for specific types of carriers or delivery methods.

Pros Operational Advantages, within the Conventional Framework

While the ethical concerns are paramount, it’s worth noting the operational advantages that would typically make Secursus.com attractive in a conventional market, acknowledging that these do not mitigate the underlying ethical issues.

• High Coverage Limits: Up to US$120,000 per parcel is substantial, making it attractive for shipping very valuable items.
• Comprehensive Item Coverage: Insuring items often excluded by standard carriers jewelry, high-tech, collectibles addresses a significant market gap.
• User-Friendly Interface: The website is intuitive, making it easy to get a quote and purchase insurance quickly.
• Flexible Payment Model: “Pay-as-you-go” with no subscriptions or commitments offers financial flexibility for users.
• Competitive Pricing Claims: The claim of being “40% lower than complementary carriers insurance and up to 80% lower than online parcel brokers” suggests cost-effectiveness in a conventional sense.
• Streamlined Claims Process: The promise of direct contact with in-house claims handlers and a 30-working-day payout period suggests efficiency.
• API Integration for Businesses: This feature is highly beneficial for e-commerce businesses needing to automate their shipping insurance processes.
• International Reach: Licensed in 28 countries, indicating a broad operational scope for international shipments.

Secursus.com Alternatives

Given the ethical concerns associated with conventional insurance models like the one facilitated by Secursus.com, it is vital to explore alternatives that align with ethical principles. The goal is to find solutions for secure parcel delivery and asset protection that avoid gharar excessive uncertainty and riba interest. Instead of direct “insurance” in the problematic sense, these alternatives focus on robust prevention, secure handling, and cooperative risk management.

Here are some ethical and practical alternatives for ensuring the safe delivery and protection of valuable items:

• Takaful Islamic Insurance
  • Key Features: Takaful operates on principles of mutual cooperation, where participants contribute to a common fund. If a participant suffers a loss, they are compensated from this fund, not from a commercial insurer’s profit. The concept aims to eliminate gharar and riba by focusing on shared responsibility and investment in ethical avenues.
  • Average Price: Contributions premiums are determined by the risk profile and value to be covered, similar to conventional insurance, but the underlying structure is fundamentally different.
  • Pros: Ethically compliant, promotes solidarity and mutual assistance, investments are screened to ensure they are permissible.
  • Cons: Availability can be limited outside of regions with established Islamic finance industries. May not offer parcel-specific Takaful products directly for individuals but rather general coverage or business solutions.
• Enhanced Secure Shipping Services e.g., DHL Express, FedEx, UPS with high-value service options
  • Key Features: These carriers offer specialized services for valuable items, including armored transport, dedicated handling, signature confirmation, and real-time tracking. They minimize risk through superior logistics and security, rather than relying solely on post-loss compensation via traditional insurance.
  • Average Price: Higher than standard shipping, but often justified by the increased security and reliability. Varies greatly by weight, dimensions, destination, and declared value.
  • Pros: Focuses on prevention and secure transit, which is inherently ethical. Strong track record for reliable delivery. Offers limited carrier liability which is different from insurance.
  • Cons: Can be expensive for very high-value items or international shipping. Carrier liability limits might still be lower than the full value of extremely expensive goods.
• Professional Packing and Crating Services
  • Key Features: Specialists who pack items using industry best practices, custom crates, and advanced cushioning to withstand transit rigors. This proactively reduces the risk of damage.
  • Average Price: Varies significantly based on the item’s size, fragility, and complexity of packing. Can range from tens to hundreds of dollars.
  • Pros: Directly addresses the risk of physical damage, providing a tangible preventative measure. Reduces reliance on compensation after the fact.
  • Cons: Does not protect against loss or theft. Adds an extra step and cost to the shipping process.
• Personal Hand-Delivery or Dedicated Courier Services
  • Key Features: For extremely valuable or sensitive items, a personal hand-delivery or a dedicated, vetted courier provides the highest level of security and direct oversight, eliminating intermediaries and shared risks.
  • Average Price: Very high, often based on distance, time, and security requirements.
  • Pros: Maximum security and direct control, virtually eliminates risk of loss or damage by third parties.
  • Cons: Extremely costly and impractical for routine shipping. Only feasible for very critical or high-value items.
• Self-Retention of Risk with Savings
  • Key Features: Instead of paying premiums to an external insurer, individuals or businesses can allocate funds to a dedicated emergency savings account. This fund can be used to cover potential losses or damages if they occur.
  • Average Price: No direct cost, but requires discipline in saving. The “cost” is the opportunity cost of the saved money.
  • Pros: Fully ethical, as there is no gharar or riba involved. Funds remain under your control.
  • Cons: Requires significant capital to self-insure against large losses. Not suitable for catastrophic risks unless the fund is substantial.
• Community-Based Mutual Aid Funds
  • Key Features: Groups or communities can establish a common fund where members contribute voluntarily. If a member suffers a loss, the community collectively decides to provide support from this fund. This is a non-commercial, cooperative model.
  • Average Price: Contributions are voluntary and depend on the community’s agreement.
  • Pros: Highly ethical, strengthens community bonds, provides support without engaging in problematic contracts.
  • Cons: Requires a strong, trustworthy community. May not be formalized or scalable for individual parcel needs.
• Secure Storage Solutions for In-Transit Holds
  • Key Features: Utilizing secure, vetted storage facilities for parcels that need to pause transit, or for temporary holding before final delivery. This reduces exposure to risks during longer transit times.
  • Average Price: Varies based on location, duration, and level of security.
  • Pros: Minimizes risk for parcels not actively moving, provides an additional layer of security.
  • Cons: Adds complexity and cost to the shipping process. Not a direct shipping solution but a risk mitigation strategy.

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How to Avoid Problematic Insurance Practices

Given the ethical concerns with conventional insurance, understanding how to navigate and minimize engagement with problematic practices is crucial.

This isn’t about avoiding all risk mitigation, but rather ensuring that the methods used are permissible and aligned with ethical principles.

Understanding the Core Issues: Gharar and Riba

The foundation of avoiding problematic insurance practices lies in a deep understanding of gharar excessive uncertainty and riba interest.

• Gharar: This refers to transactions where there’s an undue level of uncertainty or ambiguity regarding the subject matter, price, or delivery. In conventional insurance, the uncertainty lies in whether a loss will occur, and whether the premium paid will result in a benefit, making the exchange unbalanced and speculative. A simple example: buying something sight unseen with no guarantee of its quality or even delivery.
• Riba: This is typically translated as interest, but it encompasses any unjustified increment in a transaction, often linked to lending money at interest. Insurance companies often invest premiums in interest-bearing instruments, and their profitability is linked to these returns, making the entire structure problematic.

Prioritizing Prevention Over Compensation

Instead of relying on a system that compensates after a loss, a more ethical approach is to proactively prevent losses from occurring in the first place.

• Robust Packaging: Invest in high-quality, durable packaging materials, including strong boxes, ample cushioning, and secure sealing. This is a direct, tangible measure to reduce the risk of damage. For instance, 90% of package damage during transit is attributed to improper packaging, according to shipping industry reports. Using specialized packing materials can significantly reduce this risk.
• Secure Carrier Selection: Choose reputable carriers known for their reliability, security measures, and tracking capabilities. Look for services that offer enhanced security options like signature confirmation, declared value services where the carrier assumes greater liability for a fee, distinct from third-party insurance, and dedicated handling for fragile items. For example, carriers like FedEx and UPS boast delivery success rates well over 98%, with issues often arising from external factors rather than carrier mishandling when proper services are selected.
• Strategic Shipping Timing: Avoid shipping valuable items during peak seasons or periods of high volume where the risk of delays, misplacement, or theft might increase. For instance, package theft typically spikes by 20% during holiday seasons according to data from Statista.
• Direct Monitoring and Tracking: Utilize advanced tracking systems, or even consider embedding GPS trackers in high-value shipments if feasible and legal, to monitor their location in real-time. This allows for immediate intervention if an issue arises.

Exploring Cooperative Risk-Sharing Models

Where risk transfer is necessary, cooperative models offer an ethical alternative to conventional insurance. Cemeterycrypt.com Review

• Takaful: This Islamic finance concept is based on mutual cooperation ta’awun and joint guarantee kafalah. Participants contribute to a common fund, and if a loss occurs to any participant, the contribution is used to cover that loss. Any surplus in the fund is distributed among participants, and funds are invested in permissible avenues. This eliminates gharar as it’s a mutual aid, not a speculative contract and riba as investments are screened. The global Takaful market has been steadily growing, reaching an estimated US$49 billion in contributions by 2022, demonstrating a viable alternative.
• Self-Funding/Contingency Funds: For predictable or manageable risks, setting aside a dedicated emergency fund to cover potential losses can be a permissible approach. This means bearing the risk yourself but having the financial means to mitigate it directly. This strategy is particularly effective for businesses with diversified assets where a single loss would not be catastrophic. For example, a business shipping 100 parcels a month might set aside a fixed percentage of shipping revenue e.g., 0.5% into a separate account. If one parcel is lost, the cost is covered by this self-funded pool, rather than through an external problematic insurance scheme. This provides direct control over funds and avoids external financial entanglements.

Diligent Research and Transparency

Before engaging with any service, thoroughly research its underlying financial model.

• Read Terms and Conditions: Understand how the service operates, how funds are managed, and whether there are any hidden fees or interest components.
• Seek Expert Advice: Consult with knowledgeable individuals or scholars on ethical finance to ensure the chosen solution aligns with principles.
• Focus on Direct Services: Prioritize services that offer a direct, tangible exchange of value, such as secure transport, professional packing, or verifiable tracking, over opaque risk transfer contracts.

By focusing on these principles, individuals and businesses can make informed decisions that safeguard their assets while adhering to ethical guidelines, moving away from problematic conventional insurance models.

How to Cancel Secursus.com Subscription / Account

Secursus.com’s business model states “Our service doesn’t require prepaid credits, and no need to subscribe or commit to a number of parcels.” This indicates that they do not operate on a traditional recurring subscription model that would typically require cancellation. Instead, they operate on a pay-per-parcel basis.

Therefore, if you have used Secursus.com, there isn’t a “subscription” to cancel in the conventional sense.

Your account remains active for future use, and you only pay when you choose to insure a new parcel. Mlbfanmerch.com Review

Steps to “Cease Usage” or Deactivate Your Account

While there’s no “cancellation” button for a recurring subscription, if you wish to stop using Secursus.com entirely or have your data removed, you would typically need to:

1. Stop Insuring Parcels: Simply cease using their service to insure new parcels. Since there are no recurring charges, this is the primary action required.
2. Remove Payment Information: Although their website states “Payments are made in GBP£ through our payment provide Stripe” and that they secure “credit card data,” it’s always prudent to remove any stored payment methods from your account if possible.
   • Action: Log in to your Secursus.com account. Navigate to your “Account Settings,” “Payment Methods,” or a similar section. Look for an option to delete or remove your linked payment card. If this option isn’t directly available, proceed to step 3.
3. Contact Customer Support for Account Deletion/Data Removal: For a full account deactivation or removal of your personal data, you will likely need to contact their customer service directly. This aligns with data privacy regulations like GDPR which typically grant users the right to have their data erased.
   • Email: The website explicitly states, “Email is the best way to contact us : [email protected]“.
   • Content of Email: Clearly state your request to deactivate or delete your account and any associated personal data. Include your registered email address and any other identifying information needed to locate your account.
   • Verification: Be prepared for them to ask for verification of your identity to ensure they are dealing with the legitimate account holder.

Key Point: Since Secursus.com operates without a recurring subscription, the concept of “canceling a free trial” as sometimes applies to subscription services is also not directly applicable. You simply use the service as needed and pay for each instance of insurance. If you sign up and never insure a parcel, you incur no charges.

Secursus.com Pricing

Secursus.com aims for transparency and simplicity in its pricing, emphasizing that its rates are competitive and straightforward.

They highlight a “pay-as-you-go” model, meaning no recurring subscriptions or commitments.

Pricing Structure

The core of their pricing model is based on the declared value of the parcel you wish to insure. Interstellarblends.us Review

• Per-Parcel Basis: You pay only for what you insure. There are no monthly or annual fees to maintain an account.
• Single Rate for All: “The cost of our insurance is the same for everyone and for all destinations, you don’t even need to request a quote.” This simplifies the process, removing variable factors like destination, recipient type individual vs. business, or parcel contents beyond value.
• No Deductible or Depreciation: They claim their insurance covers your item at its “actual cost, with no deductible or depreciation even for second-hand items.” This means if a claim is successful, you are reimbursed the full declared value without additional out-of-pocket expenses or reduced payouts for used goods.

The Insurance Calculator

The website features a prominent “Insurance calculator” on its homepage.

• Input: You enter the “Parcel value” e.g., from US$2.00 up to US$120,000.
• Output: The calculator instantly displays the cost of insuring that specific value.
• Example based on website’s JSON data:
  • For a parcel value of US$2.00, the rate applied is 0.0018 of the value based on country_insurrance_rate. So, for US$2, it would be US$0.0036 though minimums likely apply.
  • For a value within the medium range e.g., US$7, the rate is 1.8. This seems to be a fixed cost rather than a percentage, which is unusual for insurance.
  • For higher values up to US$120,000, the general insurrance_rate is 1, implying a flat fee or a more complex calculation. The medium_insurrance_rate and insurrance_rate values in the JSON are confusing and don’t directly translate to a clear percentage for all values from the provided information.
  • A common industry standard for parcel insurance can range from $0.50 to $1.50 per $100 of declared value. Secursus.com claims to be significantly cheaper.

Competitive Claims

Secursus.com asserts its pricing is highly competitive:

• “Our pricing is usually at least 40% lower than complementary carriers insurance“
• “and up to 80% lower than online parcel brokers.”

These are significant claims, suggesting substantial savings compared to opting for insurance directly through a shipping carrier or other third-party brokers.

While specific examples are not provided on the main page, these figures aim to position Secursus.com as the most cost-effective option for parcel insurance.

Payment Currency

• “Payments are made in GBP£ through our payment provide Stripe. If you wish to use another currency, you can simply convert at the closest value by using a currency converter.”
• Implication: Despite the site showing USD prices in the calculator, the actual transaction currency is GBP. Users should be aware of potential currency conversion fees from their bank or credit card if their primary currency is not GBP.

Ethical Note on Pricing:

While the pricing appears competitive and transparent on the surface, the ethical issues of gharar and riba remain. The “low rate” for a service that involves problematic financial structures does not make the service permissible. The cost efficiency merely makes a problematic transaction more accessible, rather than resolving the fundamental ethical concerns. Ecapital.com Review

Secursus.com vs. Alternatives Ethical Comparison

When comparing Secursus.com to alternatives, the fundamental ethical differences in their operational models take center stage. Secursus.com, as a conventional insurance broker, facilitates a type of financial contract that typically involves elements of gharar uncertainty and riba interest. True ethical alternatives aim to eliminate these problematic elements.

Secursus.com: Conventional Insurance Brokerage

• Model: Facilitates traditional insurance contracts with affiliated A+ insurance companies.
• Mechanism: You pay a premium for a future, uncertain event loss, damage. If the event occurs, you get compensated. if not, the premium is retained. This is a risk transfer model.
• Ethical Stance: Problematic due to gharar uncertainty in exchange of value and the high probability that the underlying insurers engage in riba interest-based investments to manage their funds and generate profits.
• Pros Operational, not Ethical: High coverage limits, broad item coverage, competitive pricing claimed, easy online process, integration for businesses.
• Cons Ethical: Involves gharar and riba through its facilitation of conventional insurance, commercial profit motive, no clear ethical screening of underlying insurers.

Ethical Alternatives: Focus on Prevention & Cooperative Models

The core principle of ethical alternatives is to minimize or eliminate gharar and riba by focusing on tangible services, cooperative risk-sharing, or self-sufficiency.

1. Takaful Cooperative Insurance

• Model: Participants contribute to a common fund. Losses are compensated from this fund. Any surplus is distributed to participants. Investments of the fund are strictly screened for ethical compliance e.g., no interest-bearing instruments, no investments in industries like alcohol, gambling, or non-halal food.
• Mechanism: Based on mutual assistance ta’awun and donation tabarru’ rather than a commercial sale of risk.
• Ethical Stance: Fully compliant, as it eliminates gharar it’s a cooperative contribution, not a speculative contract and riba funds are managed ethically.
• Pros: Ethically sound, promotes solidarity, transparent fund management.
• Cons: Availability may be limited for specific parcel insurance products, often more common for general, life, or property coverage. May require joining a specific Takaful provider.
• Comparison: Directly superior ethically to Secursus.com due to its cooperative, interest-free, and uncertainty-mitigated structure.

2. Enhanced Secure Shipping Services e.g., FedEx, UPS, DHL high-value options

• Model: Carriers offer specialized services that enhance the physical security and reliability of shipping. This includes robust tracking, signature confirmation, dedicated handling, and limited liability for declared value.
• Mechanism: Focus is on prevention and physical security of the parcel throughout transit. The “declared value” service is often a form of enhanced carrier liability, not a separate insurance contract in the conventional problematic sense.
• Ethical Stance: Generally permissible, as it involves paying for a defined, tangible service secure transport and handling and the carrier’s increased assumption of responsibility for a fee. It is not a speculative insurance contract.
• Pros: Direct control over carrier and service level, high rates of successful delivery, proactive risk mitigation.
• Cons: Can be expensive for high-value items, carrier liability may still have limits that don’t cover full retail value, does not cover all risks in transit.
• Comparison: Ethically preferable to Secursus.com because the payment is for a direct service and increased care, not a speculative risk transfer contract.

3. Professional Packing and Crating Services

• Model: Third-party specialists provide expert packaging using custom materials and techniques to protect items from physical damage during transit.
• Mechanism: A direct service where a fee is paid for a tangible product packaging materials and expert labor.
• Ethical Stance: Fully permissible, as it’s a direct exchange of money for a service and product that proactively reduces risk.
• Pros: Directly addresses damage risk, increases the chances of safe arrival.
• Cons: Does not protect against loss or theft, adds to overall shipping cost.
• Comparison: Ethically sound and a valuable complementary strategy to secure shipping, unlike Secursus.com’s after-the-fact compensation model.

4. Self-Retention of Risk / Contingency Funds

• Model: Instead of paying premiums to an external insurer, individuals or businesses set aside their own funds to cover potential losses.
• Mechanism: Funds are saved and invested permissibly. If a loss occurs, it’s covered from this internal fund.
• Ethical Stance: Fully permissible, as there is no external contract involving gharar or riba. Funds remain under one’s own control and are invested ethically.
• Pros: Complete ethical compliance, funds remain available if no loss occurs, builds financial resilience.
• Cons: Requires significant capital to cover large potential losses, not practical for individuals without substantial savings, risk is borne entirely by the individual/entity.
• Comparison: Most ethically pure as it avoids any external problematic financial structures.

Conclusion on Comparison:
While Secursus.com offers operational convenience and competitive pricing within the conventional insurance sphere, its underlying model is ethically problematic due to gharar and riba. The ethical alternatives, such as Takaful, enhanced secure shipping, professional packing, and self-retention of risk, provide methods to mitigate shipping risks that are aligned with ethical principles, focusing on prevention, direct service exchange, or cooperative mutual aid. For those seeking ethical compliance, these alternatives are far more suitable than conventional insurance brokerage services.

FAQ

What is Secursus.com?

Secursus.com is an online insurance broker established in 2018 that provides parcel insurance services for high-value items shipped through various carriers, covering loss, theft, and damage during transit.

How does Secursus.com’s insurance differ from carrier insurance?

Secursus.com claims to offer full coverage at the item’s actual or retail value, without deductibles or depreciation, even for second-hand items. Designcater.com Review

They also state that their coverage often includes items excluded by traditional carrier insurance, such as jewelry and high-tech goods, and is often priced lower.

What types of items does Secursus.com cover?

Secursus.com states they cover almost anything you can think of, including high-tech, computers, watches, jewelry, luxury clothing, second-hand items, and collectibles, which are often excluded from standard carrier insurance.

What is the maximum value per parcel Secursus.com insures?

Secursus.com offers coverage up to US$120,000 per parcel.

How does Secursus.com handle payments?

Secursus.com operates on a pay-per-parcel basis, meaning you only pay for each individual parcel you choose to insure.

There are no subscriptions, commitments, or prepaid credits required. Lemonlawgrouppartners.com Review

Payments are made through Stripe, and while prices are displayed in USD, transactions are in GBP.

Is Secursus.com’s pricing competitive?

Secursus.com claims its pricing is typically at least 40% lower than complementary carrier insurance and up to 80% lower than online parcel brokers.

How do I get a quote from Secursus.com?

You can get an instant quote using the “Insurance calculator” on their homepage by entering the value of your parcel.

What is the claims process like with Secursus.com?

Secursus.com describes its claims process as straightforward.

You submit documents on their online claim platform, and once accepted, claims are paid within 30 working days via instant bank transfer. Paymanclub.com Review

They also provide direct contact with in-house claims handlers.

Can I insure a parcel with Secursus.com after it has been shipped?

No, for the insurance to be valid, you must purchase it on the day of the consignment, no later than 11:59 pm.

You can purchase it earlier if you already have the tracking number.

Which carriers does Secursus.com work with?

Secursus.com works with thousands of carriers offering signed-upon direct delivery, including all “express” carriers with parcel tracking services and all European postal services like Royal Mail. They require a shipping method that includes a mandatory signature.

Are there any carriers Secursus.com does not cover?

Yes, Secursus.com does not cover carriers who ship goods by river or sea, nor carriers who offer parcel deliveries to “parcel shops” such as grocery stores or supermarkets. Castlefineart.com Review

How do I contact Secursus.com customer service?

The best way to contact Secursus.com customer service is via email at [email protected].

Their team can assist in English, French, Spanish, and German.

Does Secursus.com offer integration solutions for businesses?

Yes, Secursus.com provides API integration solutions, connectors, and a dashboard for businesses to automate their insurance operations directly from their website, CRM, or app.

What supporting documents are required for a Secursus.com claim?

The supporting documents required depend on the nature of the loss lost, stolen, or damaged parcel, but they recommend photographing both your item and its packaging as a precaution.

Is Secursus.com a registered insurance broker?

Yes, Secursus.com states it is a registered insurance broker since 2018 and is licensed in 28 countries. Confirmo.net Review

They mention that their claims are paid by A+ insurance companies.

Can my insurance request be denied by Secursus.com?

Secursus.com states that once you read their packaging instructions and accept their terms and conditions, your insurance order will be automatically accepted, implying requests are generally not denied if conditions are met.

What are the ethical concerns regarding Secursus.com?

The primary ethical concerns relate to the inherent nature of conventional insurance, which often involves elements of gharar excessive uncertainty or speculation and riba interest. As an insurance broker facilitating traditional insurance contracts, Secursus.com falls under this scrutiny, as the underlying financial mechanisms of such insurance companies often involve interest-bearing investments.

What are some ethical alternatives to conventional parcel insurance?

Ethical alternatives include Takaful cooperative insurance, using enhanced secure shipping services from reputable carriers focusing on prevention rather than compensation, professional packing services, and self-retention of risk by maintaining contingency funds.

Does Secursus.com offer cargo or marine container coverage?

The primary insurance policy does not cover marine/seaborne shipment of goods. Twoandfourpets.com Review

Users are advised to contact Secursus.com for a personalized quote if they require marine cargo insurance.

How can I “cancel” my Secursus.com account if there’s no subscription?

Since Secursus.com operates on a pay-per-parcel model without recurring subscriptions, there’s no traditional “cancellation.” To cease usage, simply stop insuring new parcels.

If you wish to fully deactivate your account or have your data removed, you would need to contact their customer support via email.