School insurance: what you need to know

At each start of the school year, we ask ourselves the same question. Is school insurance compulsory? Doesn’t it duplicate our Home insurance, which includes civil liability? We take stock. 

School: how to get insurance?

In the school environment, if your child is victim of damage caused by the poor condition of the building (fall of a roof tile) or a lack of supervision by the teachers, it is school establishment Who is responsible.

But if your child is the victim of an accident without anyone being responsible (for example, a fall while playing alone in the playground), or if he is the author of the damage (broken glass ), it is you, his parents, who are held responsible. It is therefore better to be well insured!

The child is only insured if the accident occurs during activities organized by the establishment or on the school path. By school and extra-curricular insurance, the child is insured throughout the year and in all circumstances at school, at home, on vacation …

Is school insurance compulsory?

To see all the school insurance offered by parents’ associations at the start of the school year, everything suggests that it is compulsory. However, legally, This is not the case. Your child can participate in certain activities without having school insurance… but this is not very safe. On the other hand, if he is not insured, your child will not be able to participate in optional activities organized by the establishment.

Compulsory school activities: do I need insurance?

The child is not required to have insurance to exercise a so-called compulsory activity. Fixed by the school program, this is free and takes place during school time. In other words, the lack of school insurance can in no way prevent your toddler from participate in their regular sports outing, fixed within school time (travel to the gymnasium for example).

Optional activities: do you need insurance?

As the name suggests, the optional activity is not mandatory. However, to participate, your child must must be insured. Green classes, language exchange, lunch break: all established activities outside of school time, are considered optional. It is the same for activities such as theater and cinema, as soon as a financial contribution is requested. School insurance is then essential if you want your child to participate in the outing.

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What does school insurance cover?

School insurance brings together two types of guarantees :

– guarantee public liability, which covers material damage and bodily injury.

– guarantee “Individual accident”, which covers bodily injury suffered by the child, whether there is a responsible or not.

For this, from the start of the school year, parents’ associations present two formulas – more or less extensive – to parents. They also guarantee the accidents caused, that those suffered by the child.

Is Liability Insurance Sufficient?

Your Home insurance includes the guarantee of Public liability. So when parents subscribe to it, children are covered automatically for material and bodily injury that they can cause.

If your child is already covered by Family Multirisk insurance, and Liability insurance, school insurance may do double duty. To be checked with your insurer. Note: at the beginning of the year, you will have to request a Insurance certificate, which you will give to the school.

Individual accident cover

School insurance provides additional guarantees, specific to children’s schooling. These are in addition to the Civil Liability insurance.

It can correspond to two types of contract and always covers injury of the child:

– The guarantee of accidents of life (GAV)  intervenes from a certain degree of invalidity (5%, 10% or 30% depending on the insurers). All damages in the broad sense are then reimbursed: material damage, moral damage, aesthetic damage, etc.

– The contract “Individual accident” provides for the payment of a capital in the event of disability or death.

The advantages of school insurance

School insurance can take charge ofspecific fees, which are not covered by the Civil Liability insurance of the Home contract: repair of damaged or stolen bicycle or musical instrument, reimbursement of dental appliances in the event of loss or breakage, juridic protection in the event of a dispute with another student (beatings, racketeering, etc.) or with the school. The coverage is wide.

Choose your insurance based on your child’s activities. For large families, be aware that some companies offer free guarantees from the 4th or 5th child.

You can subscribe to a school insurance with your insurer, or with parents’ associations. Find out about all the guarantees offered.