SCHOOL INSURANCE. Under certain circumstances, school insurance is essential to protect your child.
[Mise à jour du mardi 30 août 2022 à 09h28] Back to school is fast approaching. You’ve probably bought all the school supplies, maybe re-enrolled in sports clubs, but have you already thought about school insurance? The latter allows you to protect the child from the damage it causes (civil liability) or that it undergoes (coverage for personal injury) in the school, whether it is at school, university or upper secondary school. If it is not compulsory, please note that you will have to subscribe for extracurricular trips (excursions, visits to museums, etc.).
Is school insurance compulsory?
School insurance is optional for the activities foreseen in the student’s timetable. The so-called optional activities (language trips, cultural trips, lunch in the canteen, supervised study, etc.) instead require the stipulation of a specific insurance contract.
MAE, Carrefour … Who offers school insurance? Can we find a cheap one?
Several insurance companies offer school insurance. You have to pay “on average between 8 and 40 euros per year, depending on the options chosen,” said the co-founder of insurance comparator Assurland.com, Olivier Mustacakis, over the microphone of TF1. As with any insurance contract, the price depends on the number of guarantees stipulated. In fact, some companies offer to cover your child in the event of, for example, theft or extortion.
Ask the school or the parents’ association if you have difficulty choosing between the various contracts in place. Before entering into a contract, contact your insurer first. For example, some multi-risk home improvement contracts include school insurance, saving you the duplication of effort.
As the name suggests, school insurance protects your child in the context of the school, both within the facility and during an outside activity, as well as while on the way to school. Out-of-school insurance protects your child in all circumstances (free time, holidays, school, etc.).
What should I do in the event of an accident if I have taken out school insurance?
It all depends on the circumstances of the accident. If your child is the perpetrator, you are obliged to report this to the insurer by registered letter with acknowledgment of receipt, “whatever your first opinion on your child’s responsibility”, emphasizes the Ministry of Economy. If your child is the victim of an accident, the steps are more numerous:
- Collect facts about the circumstances
- Obtain a medical certificate, indicating the injuries and their evolution
- Report the accident to the insurer within five working days
- Save your health insurance and mutuality statements