Configuration Guide

Accessing Settings

Navigate to the plugin settings:

WordPress Admin → WooCommerce → Settings → Shipping

Scroll down to find the Insurance Rate Type and related settings.

Core Insurance Settings

Insurance Rate Configuration

Insurance Rate Type

Location: woocommerce_shipping_insurance_rate_type

Choose how insurance fees are calculated:

• Fixed Amount: Charge a flat fee regardless of order value
  • Example: $2.99 for all orders
  • Best for: Consistent insurance costs
• Percentage of Order Value: Charge based on order subtotal
  • Example: 2% of order value
  • Best for: Value-based insurance

// Example: 2.5% of order value
Rate Type: Percentage of Order Value
Rate Value: 2.5

Insurance Rate Value

Location: woocommerce_shipping_insurance_rate_value

Set the insurance fee amount:

• Fixed Amount: Enter dollar amount (e.g., 2.99)
• Percentage: Enter percentage value (e.g., 2.5 for 2.5%)

Examples:

Fixed: 2.99 = $2.99 insurance fee
Percentage: 3 = 3% of order value

Minimum Insurance Amount

Location: woocommerce_shipping_insurance_min_amount

Purpose: Ensures insurance fee never goes below this amount Default: 1.00 Example: If percentage calculation gives $0.50 but minimum is $1.00, charge $1.00

Maximum Insurance Amount

Location: woocommerce_shipping_insurance_max_amount

Purpose: Caps insurance fee at this amount Default: 10.00 Example: If percentage calculation gives $15.00 but maximum is $10.00, charge $10.00

Display Settings

Default State

Location: woocommerce_shipping_insurance_default_state

Controls whether insurance checkbox is checked by default:

• Yes: Insurance pre-selected (recommended for higher conversion)
• No: Customer must actively select insurance

Label Text

Location: woocommerce_shipping_insurance_label_text

Customize the insurance option text: Default: "Yes, I would like to protect my package with shipping insurance"

Examples:

"Add shipping protection for safe delivery"
"Protect my order with insurance coverage"
"Yes, secure my package during shipping"

Insurance Keys

Location: woocommerce_shipping_insurance_keys

Purpose: Internal identification for insurance fees Default: "Shipping Insurance" Note: This appears in order items and should remain consistent

Display Position

Location: woocommerce_shipping_insurance_display_position

Choose where insurance option appears on checkout:

• After Order Notes: Below order notes field (default)
• Before Order Notes: Above order notes field
• After Customer Details: Below billing/shipping forms
• After Terms & Conditions: Near submit button

Advanced Features

Country Exclusions

Excluded Countries

Location: woocommerce_shipping_insurance_excluded_countries

Purpose: Hide insurance option for specific countries Format: Comma-separated 2-letter country codes

Examples:

US,CA          // Exclude United States and Canada
GB,FR,DE       // Exclude UK, France, Germany
AU,NZ,IN       // Exclude Australia, New Zealand, India

Use Cases:

• Countries with different insurance providers
• Regions with legal restrictions
• Areas with included shipping insurance

Shipping Integration

Include Shipping in Calculation

Location: woocommerce_shipping_insurance_include_shipping

When using percentage-based insurance:

• Yes: Calculate on subtotal + shipping cost
• No: Calculate on subtotal only

Example:

Subtotal: $100
Shipping: $10
Rate: 2%

Include Shipping = No:  2% of $100 = $2.00
Include Shipping = Yes: 2% of $110 = $2.20

Weight-Based Conditions

Enable Weight Conditions

Location: insurance_enable_weight

Purpose: Show/hide insurance based on package weight Options: Yes/No

Weight Condition

Location: insurance_weight_condition

Set the weight comparison logic:

• Greater Than: Show if total weight > threshold
• Less Than: Show if total weight < threshold
• Equal To: Show if total weight = threshold
• Greater Than or Equal To: Show if total weight ≥ threshold
• Less Than or Equal To: Show if total weight ≤ threshold

Weight Threshold

Location: insurance_weight_threshold

Purpose: Weight value for comparison Unit: Uses WooCommerce weight unit setting Example: 100 (grams/pounds depending on WooCommerce setting)

Complete Example:

Enable Weight: Yes
Condition: Greater Than
Threshold: 500

Result: Insurance only available for packages over 500g/lbs

Customization Options

Title and Appearance

Insurance Title Text

Location: insurance_title_text

Purpose: Section heading on checkout page Default: "Shipping Insurance" Example: "Package Protection Options"

View Terms Text

Location: insurance_view_terms_text

Purpose: Link text for terms and conditions Default: "View Terms" Examples: "Read Policy", "Insurance Details", "Terms & Conditions"

Link Color

Location: insurance_link_color

Purpose: Color for terms link Format: Hex color code Default: #000000 (black) Examples: #0073aa (blue), #d63638 (red)

Terms and Conditions

Terms Link

Location: woocommerce_shipping_insurance_terms_link

Purpose: URL to insurance policy page Examples:

/insurance-policy/          // Internal page
https://example.com/terms   // External page
#popup-terms               // JavaScript popup

Hide Terms Link

Location: insurance_hide_terms_link

Purpose: Remove terms link completely Options: Yes/No

Link Open Method

Location: insurance_link_open_method

Purpose: How terms link opens

• Current Window: Replace current page
• New Window: Open in new tab/window

Price Display

Display Price

Location: insurance_display_price

Purpose: Show insurance cost to customer Options: Yes/No

Terms Part Text

Location: insurance_terms_part_text

Purpose: Text before price display Default: "Estimated Insurance Cost: " Example: "Protection Fee: ", "Insurance: "

Complete Example:

Display Price: Yes
Terms Part Text: "Protection Fee: "
Price: $2.99

Result: "Protection Fee: $2.99"

Multi-Currency Settings

Enable Multi-Currency Auto Detection

Location: insurance_enable_multicurrency

Purpose: Automatically integrate with currency plugins Default: Yes Recommendation: Keep enabled for seamless integration

Currency Conversion Method

Location: insurance_currency_conversion_method

Choose conversion approach:

• Use Multi-Currency Plugin Rates: Automatic conversion (recommended)
• Fixed Rate Per Currency: Manual rate setting

Configuration Examples

Basic E-commerce Store

Rate Type: Fixed Amount
Rate Value: 2.99
Min Amount: 1.00
Max Amount: 10.00
Default State: Yes
Display Position: After Order Notes

High-Value Items Store

Rate Type: Percentage of Order Value
Rate Value: 1.5
Min Amount: 5.00
Max Amount: 50.00
Include Shipping: Yes
Default State: Yes

International Store with Exclusions

Rate Type: Percentage of Order Value
Rate Value: 2.0
Excluded Countries: US,CA,AU
Display Price: Yes
Terms Link: /shipping-insurance-policy/

Weight-Based Insurance

Rate Type: Fixed Amount
Rate Value: 4.99
Enable Weight: Yes
Weight Condition: Greater Than
Weight Threshold: 1000

Testing Your Configuration

Test Checklist

1. Basic Functionality:

   • ✅ Insurance option appears on checkout
   • ✅ Correct price calculation
   • ✅ Fee added to order total

2. Country Exclusions:

   • ✅ Hidden for excluded countries
   • ✅ Visible for allowed countries

3. Weight Conditions:

   • ✅ Correct visibility based on cart weight
   • ✅ Proper condition evaluation

4. Multi-Currency:

   • ✅ Correct currency display
   • ✅ Proper rate conversion

Test Scenarios

Scenario 1: Basic Order

Cart: $50 product
Rate: 2% of order value
Expected: $1.00 insurance fee

Scenario 2: Weight Condition

Cart: 2kg total weight
Condition: Greater than 1kg
Expected: Insurance option visible

Scenario 3: Country Exclusion

Country: United States (if excluded)
Expected: No insurance option

Best Practices

Rate Setting

1. Research Competition: Check competitor insurance rates
2. Consider Profit Margins: Balance customer value and profit
3. Test Conversion: Monitor checkout completion rates

User Experience

1. Clear Language: Use simple, understandable terms
2. Visible Pricing: Show costs upfront
3. Default Selection: Consider pre-selecting for higher adoption

International Considerations

1. Local Regulations: Check insurance requirements by country
2. Currency Conversion: Ensure accurate rate conversion
3. Language Support: Consider translations for international stores

Troubleshooting Configuration

Common Issues

Insurance Not Appearing

Check:

• WooCommerce is active and updated
• Plugin is properly activated
• No country exclusions blocking display
• Weight conditions are met

Incorrect Pricing

Check:

• Rate type matches intended calculation
• Min/max amounts are appropriate
• Currency conversion is working
• Percentage calculations include/exclude shipping as intended

Terms Link Not Working

Check:

• URL is valid and accessible
• Link color contrasts with background
• Link text is visible and clickable

Next Steps

After configuration:

1. Features Documentation: Learn about all available features

Need Help? Contact support for configuration assistance.