Is school insurance compulsory at school?
Insurance not compulsory for all school activities
Civil liability insurance is not not compulsory for all school activities (course, recreation, EPS), since children are placed under the responsibility of national education. For example, for an outing to the swimming pool or the gymnasium, the child is covered.
Compulsory insurance for optional activities organized by the establishment
School insurance is however compulsory for all optional activities organized by the establishment ::
- Discovery classes (green classes, snow, etc.).
- Linguistic stay.
- School trips, walks.
- Visits to a museum, a city, etc.
Private schools set their own rules and may require school insurance to accept a student.
Insurance often required for the extracurricular activities of the child
For extracurricular activities organized outside of school time, school insurance is often required by the organizers. It is therefore advisable to take out school insurance or check that your home insurance contract covers these activities well. This concerns:
- the canteen;
- the morning or evening daycare center;
- Leisure centers (leisure centers, sports clubs, music schools, etc.).
What insurance is compulsory at school?
At school, only theCivil liability insurance is compulsory for all students. This coverage is intended to protect the student in the event of bodily or material damage that he could cause to others, whether comrades, teachers or other people present in the school. This includes situations where the student is responsible for an accident.
School insurance: until what age is it recommended?
There is no fixed age limit for school insurance, because it remains useful As long as the child is educatedfrom kindergarten to high school. However, insurance is often required until the age of 16. Beyond that, it remains recommended if the student continues to participate in school or extracurricular activities.
What is school insurance for?
Damage caused or suffered in school, college or high school
Generally, this insurance is of “multi -risk” type: it protects the child from damage caused to itself or to otherswhether in the school grounds or during school activities organized by the establishment. Some insurance contracts may exclude civil liability for those who already have it in their home insurance contract.
Children’s civil liability
School insurance intervenes in the event ofaccident caused to a third partywhether they are other students, but also teachers and, more generally, outside school, to any other person. This includes material or bodily damage caused by the child to his comrades, educational staff or third parties during their school and extracurricular activities.
Body damage suffered by the child
In the event of an accident occurring alone or caused by a third party, within the framework of individual accident insurance, school insurance Cover care costshospitalization of the child and cases of disability. This guarantee covers medical costs and allowances in the event of incapacity or disability.
Support-retrieval warranty
In addition to medical costs, some school insurance covers the Research and rescue costs child, as well as health repatriation if necessary. This coverage can occur in the event of an urgent need for assistance, for example, in the event of an accident during a school trip abroad or a stay in the snow class.
Damage guarantee
This often optional guarantee covers the personal objects childlike glasses, a bicycle, a musical instrument, a dental apparatus, etc., against accidental breakage and theft. It is particularly useful for students who carry value goods or fragile equipment in their bag.
Optional guarantees
The school insurance contract can offer additional guarantees, such as racketeering or an assistance service allowing the child to follow his home school at home.
- Racketeering : The cover option in the event of school harassment is more and more common. It allows the student to be covered if he is the victim of physical or psychological violence.
- School assistance : Some contracts provide an option that allows the child to follow his schooling at home in the event of prolonged absence (accident, illness, etc.).
Is school insurance included in home insurance?
Multirisque home insurance
Civil liability is generally present In multi -risk insurance for your home. In this case, you do not need to subscribe to additional school insurance if you already have coverage of civil liability in your home insurance. This avoids paying twice for the same warranty.
School certificate
In this case, ask your insurer to establish an insurance certificate justifying your warrantythat your child will give the school. The insurance certificate must be given to the school at the time of the start of the school year or when participating in school outings. It must also contain the child’s name, covered guarantees and cover dates.
Which school insurance to choose?
Identify your needs to find the best insurance
The choice of school insurance must first take into account the specific needs of your child.
- Does your child participate in extracurricular or extra-curricular activities?
- Have you already covered through home insurance?
- Does the child practice at risk at risk?
You are free to choose your insurer and you have no obligation to take out the contract proposed within the school.
Opt for the right formula
It is advisable to choose school insurance guaranteeing your children all year round and for all of their activities (School time, journeys, extra -curricular activities, vacation periods). This formula has the advantage of covering your child at any time and anywhere. The care must take place whether it is with you or entrusted to a center.
Request quote from several insurers
Before you decide, it is prudent to ask for quotes to several insurers. This will allow you to compare the proposed guarantees, prices and services included, such as legal assistance, protection against harassment or school monitoring in the event of prolonged absence. This will help you make an informed choice according to your needs and your budget.
Check the exclusions of warranty
Question your insurer to find out if the sports practiced by your children are covered (including competition). If your child uses his bike to go to school, the contract covers him in the event of a responsible accident. On the other hand, family civil liability does not cover motor vehicles which are subject to compulsory insurance for motorized two-wheelers.
Can individual accident guarantee serve as school insurance?
A useful warranty in the event of a bodily accident
The individual accident warranty protects your child in case of bodily injuries suffered during a school activity, whether responsible for the accident or not.
- School accident.
- Sports accident.
- Transport accident.
- Any other privacy accident.
It covers medical costs, hospitalization, as well as compensation in the event of permanent inability, sequelae or, in the most serious cases, death.
An option associated with other insurance
It is sometimes offered as an option in the multi -risk home. You can also benefit from it within the framework of a contract Guarantee of life accidents (GAV), some of which covering the subscriber and all members of his family (spouse and children).
What documents to provide to take out school insurance?
To take out school insurance, insurers ask for some Basic documents ::
- An identity document from parents or tutors.
- Recent proof of domicile.
- The list of children’s school and extracurricular activities (sports practiced, regular outings, etc.).
Finally, if you change insurer, it may be useful to have the information relating to the old contract to compare guarantees and facilitate transfer.
How to take out school insurance?
MAE, MAIF, MACIF, MMA…: Make a comparison of school insurance
Insurers’ offers can be compared online to find school insurance at the best price. For easier, the contract can be taken out with the usual family insurer. Parents can also join A collective contract Proposed by an association of parents of students or by a private establishment.
Subscribe the online insurance contract
Once your choice is made, you can take out school insurance directly from the insurer. This can be done online, by phone or in agency. You will be asked to Provide information on your child (Last name, first name, age, etc.) as well as on the activities he practices.
Receive school insurance certificate
After subscription, you will receive a school insurance certificate, available immediately online. It is often required by establishments For extracurricular activities. This insurance certificate is to be kept preciously and to present at school if necessary.
Check the renewal and termination methods
Most school insurance contracts are automatically renewed Each year. It is therefore important to check the terms of termination and renewal to avoid any unwanted tacit renewal. Consider the termination conditions before the anniversary date of the contract in order to be able to modify or terminate it if necessary.
What is the price of school insurance?
Basic school insurance price
The price of school insurance varies depending on the guarantees chosen, the insurer and the age of the child. Basic formulas, which mainly include civil liability and bodily accident coverage, generally cost between 15 and 20 euros per year and per child.
Price of school insurance with extended guarantees
The more complete formulas, including guarantees such as protection against harassment, school assistance, or cover of personal objects (breakage of glasses, bicycle, musical instruments), can cost between 20 and 35 euros per year. Certain offers also include coverage of extra -curricular activities 24 hours a day, which can increase the price.
What is the difference between school insurance and extra -curricular insurance?
Extracurricular insurance is a School insurance extension Who covers children during school -related activities, but also during their activities outside the school framework. This insurance is designed to provide complete protection throughout the year, in all circumstances, whether the child is at school, on the move, or in the leisure center.
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