diff --git a/composer.json b/composer.json
index 816d8b4f..61d500dd 100644
--- a/composer.json
+++ b/composer.json
@@ -6,7 +6,7 @@
   "minimum-stability": "dev",
   "prefer-stable": true,
   "require": {
-    "myparcelnl/pdk": "^4.6.0",
+    "myparcelnl/pdk": "^4.7.0",
     "myparcelnl/sdk": "^11.0.0-beta.28",
     "php": ">=7.4.0"
   },
diff --git a/composer.lock b/composer.lock
index a11a9240..377d79cc 100644
--- a/composer.lock
+++ b/composer.lock
@@ -4,7 +4,7 @@
         "Read more about it at https://getcomposer.org/doc/01-basic-usage.md#installing-dependencies",
         "This file is @generated automatically"
     ],
-    "content-hash": "627bb2d4c727732b681d9f528a737f88",
+    "content-hash": "1f6dba61e0696d2eaab78d9744427e9f",
     "packages": [
         {
             "name": "fruitcake/php-cors",
@@ -471,16 +471,16 @@
         },
         {
             "name": "myparcelnl/pdk",
-            "version": "4.6.0",
+            "version": "4.7.0",
             "source": {
                 "type": "git",
                 "url": "https://github.com/myparcelnl/pdk.git",
-                "reference": "27aaefc453445c2bbfa42db2546bc9fcb9cbb02f"
+                "reference": "ed9c0d5e919a87c0daf37fadd20b87c51c141fc6"
             },
             "dist": {
                 "type": "zip",
-                "url": "https://api.github.com/repos/myparcelnl/pdk/zipball/27aaefc453445c2bbfa42db2546bc9fcb9cbb02f",
-                "reference": "27aaefc453445c2bbfa42db2546bc9fcb9cbb02f",
+                "url": "https://api.github.com/repos/myparcelnl/pdk/zipball/ed9c0d5e919a87c0daf37fadd20b87c51c141fc6",
+                "reference": "ed9c0d5e919a87c0daf37fadd20b87c51c141fc6",
                 "shasum": ""
             },
             "require": {
@@ -527,9 +527,9 @@
             "homepage": "https://myparcel.nl",
             "support": {
                 "issues": "https://github.com/myparcelnl/pdk/issues",
-                "source": "https://github.com/myparcelnl/pdk/tree/v4.6.0"
+                "source": "https://github.com/myparcelnl/pdk/tree/v4.7.0"
             },
-            "time": "2026-08-06T09:12:04+00:00"
+            "time": "2026-08-06T11:23:43+00:00"
         },
         {
             "name": "myparcelnl/sdk",
diff --git a/src/Migration/2026_07_29_113506_refresh_carrier_capabilities.php b/src/Migration/2026_07_29_113506_refresh_carrier_capabilities.php
new file mode 100644
index 00000000..dde146ed
--- /dev/null
+++ b/src/Migration/2026_07_29_113506_refresh_carrier_capabilities.php
@@ -0,0 +1,55 @@
+<?php
+
+declare(strict_types=1);
+
+use MyParcelNL\Pdk\App\Account\Contract\PdkAccountRepositoryInterface;
+use MyParcelNL\Pdk\App\Installer\Migration\AbstractTimestampedMigration;
+use MyParcelNL\Pdk\Carrier\Repository\CarrierCapabilitiesRepository;
+use MyParcelNL\Pdk\Facade\Logger;
+use MyParcelNL\Pdk\Facade\Pdk;
+
+/**
+ * Re-fetches the stored carrier data so insurance limits are in the flat format.
+ *
+ * Carrier data stored before this release holds insurance limits in the nested wrapper the
+ * MyParcel API is removing. The PDK now reads the flat limits, which are absent from that older
+ * data, so insurance would be unavailable until something refreshed it. Fetching the contract
+ * definitions again rewrites the stored carriers in the shape the PDK expects.
+ */
+return new class extends AbstractTimestampedMigration {
+    public function up(): void
+    {
+        /** @var PdkAccountRepositoryInterface $accountRepository */
+        $accountRepository = Pdk::get(PdkAccountRepositoryInterface::class);
+        $account           = $accountRepository->getAccount(true);
+        // PHPStan types Account::$shops as a non-null ShopCollection, but the guard is kept
+        // intentionally to stay safe against partial/corrupted account data during upgrade.
+        $shop = $account && $account->shops ? $account->shops->first() : null;
+
+        if (! $shop) {
+            Logger::debug('No account or shop available; skipping carrier capabilities refresh.');
+
+            return;
+        }
+
+        /** @var CarrierCapabilitiesRepository $capabilitiesRepository */
+        $capabilitiesRepository = Pdk::get(CarrierCapabilitiesRepository::class);
+
+        try {
+            $shop->carriers = $capabilitiesRepository->getContractDefinitions();
+        } catch (Throwable $exception) {
+            // Reporting failure leaves the migration unrecorded, so it is attempted again on the
+            // next load. Throwing would do that too, but it would take the page down with it.
+            $this->markFailed('Failed to refresh carrier capabilities.', [
+                'message' => $exception->getMessage(),
+                'file'    => $exception->getFile() . ':' . $exception->getLine(),
+                'class'   => get_class($exception),
+                'trace'   => $exception->getTraceAsString(),
+            ]);
+
+            return;
+        }
+
+        $accountRepository->store($account);
+    }
+};
diff --git a/tests/Bootstrap/MockPsPdkBootstrapper.php b/tests/Bootstrap/MockPsPdkBootstrapper.php
index afaf0ef7..3f215913 100644
--- a/tests/Bootstrap/MockPsPdkBootstrapper.php
+++ b/tests/Bootstrap/MockPsPdkBootstrapper.php
@@ -10,6 +10,7 @@
 use MyParcelNL\Pdk\Base\Contract\ConfigInterface;
 use MyParcelNL\Pdk\Base\FileSystemInterface;
 use MyParcelNL\Pdk\Language\Contract\LanguageServiceInterface;
+use MyParcelNL\Pdk\SdkApi\Contract\SdkClientFactoryInterface;
 use MyParcelNL\Pdk\Storage\Contract\StorageInterface;
 use MyParcelNL\Pdk\Storage\MemoryCacheStorage;
 use MyParcelNL\Pdk\Tests\Api\Guzzle7ClientAdapter;
@@ -20,6 +21,7 @@
 use MyParcelNL\Pdk\Tests\Bootstrap\MockLogger;
 use MyParcelNL\Pdk\Tests\Bootstrap\MockMemoryCacheStorage;
 use MyParcelNL\Pdk\Tests\Bootstrap\MockPdk;
+use MyParcelNL\Pdk\Tests\SdkApi\MockSdkClientFactory;
 use MyParcelNL\PrestaShop\Pdk\Base\PsPdkBootstrapper;
 use MyParcelNL\PrestaShop\Tests\Bootstrap\Contract\StaticMockInterface;
 use Psr\Log\LoggerInterface;
@@ -80,6 +82,9 @@ protected function getAdditionalConfig(
                 PdkInterface::class             => get(MockPdk::class),
                 StorageInterface::class         => get(MockMemoryCacheStorage::class),
                 LanguageServiceInterface::class => get(MockLanguageService::class),
+                // Covers every SdkApi service at once, the same way the client adapter above
+                // covers every legacy API service. Without it they reach the live API.
+                SdkClientFactoryInterface::class => get(MockSdkClientFactory::class),
             ],
             self::$config
         );
diff --git a/tests/Unit/Migration/RefreshCarrierCapabilitiesMigrationTest.php b/tests/Unit/Migration/RefreshCarrierCapabilitiesMigrationTest.php
new file mode 100644
index 00000000..3347758b
--- /dev/null
+++ b/tests/Unit/Migration/RefreshCarrierCapabilitiesMigrationTest.php
@@ -0,0 +1,146 @@
+<?php
+
+/** @noinspection PhpUnhandledExceptionInspection,StaticClosureCanBeUsedInspection */
+
+declare(strict_types=1);
+
+namespace MyParcelNL\PrestaShop\Migration;
+
+use MyParcelNL\Pdk\App\Account\Contract\PdkAccountRepositoryInterface;
+use MyParcelNL\Pdk\App\Installer\Contract\TimestampedMigrationInterface;
+use MyParcelNL\Pdk\Carrier\Collection\CarrierCollection;
+use MyParcelNL\Pdk\Carrier\Repository\CarrierCapabilitiesRepository;
+use MyParcelNL\Pdk\Facade\Pdk;
+use MyParcelNL\Pdk\SdkApi\Service\CoreApi\Shipment\CapabilitiesService;
+use MyParcelNL\Pdk\Storage\Contract\StorageInterface;
+use MyParcelNL\Pdk\Tests\Api\Response\ExampleGetAccountsResponse;
+use MyParcelNL\Pdk\Tests\Bootstrap\MockApi;
+use MyParcelNL\Pdk\Tests\Bootstrap\TestBootstrapper;
+use MyParcelNL\Pdk\Tests\SdkApi\MockSdkApiHandler;
+use MyParcelNL\Pdk\Tests\SdkApi\Response\ExampleContractDefinitionsResponse;
+use MyParcelNL\PrestaShop\Tests\Uses\UsesMockPsPdkInstance;
+use RuntimeException;
+use function MyParcelNL\Pdk\Tests\mockPdkProperties;
+use function MyParcelNL\Pdk\Tests\usesShared;
+
+usesShared(new UsesMockPsPdkInstance());
+
+/**
+ * Loads the migration the same way the installer does: require the file and take the
+ * returned anonymous-class instance.
+ */
+function loadRefreshCarrierCapabilitiesMigration(): TimestampedMigrationInterface
+{
+    return require __DIR__ . '/../../../src/Migration/2026_07_29_113506_refresh_carrier_capabilities.php';
+}
+
+it('is a timestamped migration the installer can discover', function () {
+    $migration = loadRefreshCarrierCapabilitiesMigration();
+
+    // The installer injects identity from the filename, so the migration must accept it
+    // and report it back rather than deriving one itself.
+    $migration->setIdentity('2026_07_29_113506_refresh_carrier_capabilities');
+
+    expect($migration)->toBeInstanceOf(TimestampedMigrationInterface::class)
+        ->and($migration->getId())->toBe('2026_07_29_113506_refresh_carrier_capabilities');
+});
+
+it('skips without failing when no account or shop is available', function () {
+    /** @var PdkAccountRepositoryInterface $accountRepo */
+    $accountRepo = Pdk::get(PdkAccountRepositoryInterface::class);
+
+    // No account configured, so a forced refresh returns null. Skipping beats fataling:
+    // a fresh install has nothing to refresh.
+    loadRefreshCarrierCapabilitiesMigration()->up();
+
+    expect($accountRepo->getAccount())->toBeNull();
+});
+
+it('reports failure instead of throwing when fetching carrier definitions fails', function () {
+    TestBootstrapper::hasAccount();
+    // The migration forces an account refresh before it gets as far as the carriers. Without a
+    // response queued that call throws, and the test would pass on the wrong exception.
+    MockApi::enqueue(new ExampleGetAccountsResponse());
+
+    $throwingRepo = new class(
+        Pdk::get(StorageInterface::class),
+        Pdk::get(CapabilitiesService::class)
+    ) extends CarrierCapabilitiesRepository {
+        public function getContractDefinitions(?string $carrier = null): CarrierCollection
+        {
+            throw new RuntimeException('API unavailable');
+        }
+    };
+
+    mockPdkProperties([CarrierCapabilitiesRepository::class => $throwingRepo]);
+
+    $migration = loadRefreshCarrierCapabilitiesMigration();
+    $migration->up();
+
+    // Reporting failure keeps the migration out of applied_migrations, so it is attempted again
+    // on the next load. Reaching this line at all is the other half of the point: a carrier API
+    // that is briefly unavailable no longer takes the page down with it.
+    expect($migration->hasFailed())->toBeTrue();
+});
+
+dataset('insurance shapes from the api', [
+    // What the API sends today. The nested wrapper carries different amounts, so if the wrong
+    // set of limits ever survived, the assertions below would catch it.
+    'flat limits alongside the deprecated nested wrapper' => [
+        [
+            'min'           => ['amount' => 0, 'currency' => 'EUR'],
+            'max'           => ['amount' => 500_000, 'currency' => 'EUR'],
+            'default'       => ['amount' => 0, 'currency' => 'EUR'],
+            'insuredAmount' => [
+                'min'     => ['amount' => 1, 'currency' => 'EUR'],
+                'max'     => ['amount' => 2, 'currency' => 'EUR'],
+                'default' => ['amount' => 3, 'currency' => 'EUR'],
+            ],
+        ],
+    ],
+    // What the API sends once the nested wrapper is removed.
+    'flat limits only'                                   => [
+        [
+            'min'     => ['amount' => 0, 'currency' => 'EUR'],
+            'max'     => ['amount' => 500_000, 'currency' => 'EUR'],
+            'default' => ['amount' => 0, 'currency' => 'EUR'],
+        ],
+    ],
+]);
+
+it('stores only the flat insurance limits', function (array $insurance) {
+    TestBootstrapper::hasAccount();
+    // The migration forces an account refresh, which calls the accounts endpoint.
+    MockApi::enqueue(new ExampleGetAccountsResponse());
+    // Goes through the real CapabilitiesService and repository, so the nested wrapper is
+    // dropped by the code that actually does it rather than by a stub.
+    MockSdkApiHandler::enqueue(new ExampleContractDefinitionsResponse([
+        [
+            'carrier'          => 'POSTNL',
+            'packageTypes'     => ['PACKAGE'],
+            'deliveryTypes'    => ['STANDARD_DELIVERY'],
+            'transactionTypes' => ['B2C'],
+            'options'          => [
+                'insurance' => array_merge(
+                    ['isSelectedByDefault' => false, 'isRequired' => false],
+                    $insurance
+                ),
+            ],
+        ],
+    ]));
+
+    loadRefreshCarrierCapabilitiesMigration()->up();
+
+    /** @var PdkAccountRepositoryInterface $accountRepo */
+    $accountRepo = Pdk::get(PdkAccountRepositoryInterface::class);
+    $carrier     = $accountRepo->getAccount()
+        ->shops->first()
+        ->carriers->firstWhere('carrier', 'POSTNL');
+    $stored      = $carrier->options->getInsurance();
+
+    // Same stored result either way: the flat limits, and no nested wrapper left behind.
+    expect($stored->getInsuredAmount())->toBeNull()
+        ->and($stored->getMin()->getAmount())->toBe(0)
+        ->and($stored->getMax()->getAmount())->toBe(500_000)
+        ->and($stored->getDefault()->getAmount())->toBe(0);
+})->with('insurance shapes from the api');