In case of loss or damage of parcel ,liability of courier companies is product value or INR 1000 whichever is lesser . In case you have paid for insurance (Shipper's risk ) then you are liable for full amount settlement subject to evaluation/investigation by respective courier companies . 

We advise our clients to :-

1.Pack the parcel properly to avoid transit damage. They can use bubble wrapping ,foams and other material to act as a cushion for their parcel .

2. If the product is too much valuable then its advisable to take insurance services .