Good question. Yes — CNFans does have a form of shipping “insurance” / compensation policy, but it’s fairly limited and comes with important conditions. Here’s a detailed breakdown based on CNFans’ own Help Center and user reports.

What Does “Insurance” Mean on CNFans?

  1. Insurance / Compensation Option

    • CNFans offers shipping insurance (“package insurance”) when you submit a shipping (waybill) order. CNfans+2CNfans+2

    • The insurance covers two main risks:

      • Loss / damage during transport. CNfans

      • Customs seizure — i.e., if the parcel is held by customs and cannot be delivered. CNfans

    • Compensation (if you have insurance) is based on: actual shipping cost + the actual declared value of goods, up to the insured amount. CNFans+1

  2. Free Insurance on Some Routes

    • For some “tax-free” routes in Europe, CNFans provides a free insurance policy. CNFans+1

    • According to CNFans’ Platform Package Shipping Service Agreement, free insurance is only supported on certain tax-free European routes. CNfans

    • Several users on Reddit have confirmed this:

      “Free Insurance Fee & 100% compensation for All Tariffless Routes in Europe.” Reddit

    • But note: some users report that you might need to explicitly click / enable this free insurance option when choosing a route. Reddit

  3. Compensation Limits & Exclusions

    • There are strict exclusions: for example, if the package is lost/damaged because of the recipient’s actions, that may not be covered. CNfans+1

    • If customs seize and destroy the package because of the recipient’s failure (e.g., failing to pay import duties), that is not covered. CNfans+1

    • Force majeure (natural disasters, war, etc.) is also excluded. CNfans+1

    • There’s also a claim deadline: you must file a claim within 7 days after signing for the package (for damage) or within 45 days after shipment (for loss) — otherwise, CNFans may refuse compensation. CNfans

  4. How to File a Claim

    • If you purchased insurance, you can contact CNFans customer service to apply for a claim. CNfans

    • For item damage/defect claims: you must provide a complete, unedited unboxing video that clearly shows the item and its condition. CNfans

    • After verification, CNFans will refund the claim amount into your CNFans account. CNfans

What Happens If You Don’t Buy Insurance?

  • If you opt not to purchase insurance (or use a route without free insurance), there is still some compensation, but much more limited. CNfans

  • CNFans’ compensation standard for uninsured parcels depends on the shipping route. CNfans

  • But again, only some “normal” loss/damage may be covered, and large claims will likely be capped or denied based on their rules. CNfans

What Do Real Users Say About CNFans Insurance?

  • Some Reddit users report that they didn’t get insurance, even though they thought they were using the “free insurance” route. Reddit

  • Others say that when they were doing the “rehearsal” (i.e., preparing to ship from the CNFans warehouse), there was an option to add insurance. Reddit

  • There are also concerns around declared value: some users say CNFans limits how much they can declare for insurance, which may limit how much they can be compensated. Reddit

  • One user reported paying for insurance specifically because they were worried their parcel might be seized by customs. Reddit

  • Another said they paid for insurance, but their parcel was seized/destroyed by customs — they were “hoping CNFans will refund” based on their insurance. Reddit

My Conclusion: Does CNFans Really Have Useful Insurance?

  • Yes, CNFans does offer insurance, but it’s not entirely universal or automatically “full protection.”

  • It’s most beneficial on specific routes, especially the European “tax-free” ones where free insurance is offered.

  • If you’re shipping high-value goods, or you’re particularly worried about customs, it’s probably a good idea to opt into their paid insurance when available.

  • But you should carefully read the terms, understand the compensation limits, and make sure you follow the claim rules (like recording unboxing video) so that if something goes wrong, you can actually get compensation.