what you need to know before the start of the school year

School insurance protects the child against bodily injury or material damage, caused to third parties or suffered, during his schooling. It covers it from the age of two or three, when entering kindergarten, then college and high school. It can sometimes be kept until university, but most insurers set a cut-off age, usually around 24 years old.

It includes, on the one hand, civil liability cover for damage caused by the child, and on the other hand, bodily accident cover for damage suffered, even if he is injured on his own.

Some insurance contracts offer additional guarantees such as psychological support in the event of aggression, legal protection or damage to property belonging to the child such as his schoolbag, his clothes, his musical instrument, etc.

Depending on the formula taken out, the child will be protected either during school activities and the trip between home and school (there and back), or 24 hours a day, anywhere and all year round, even during vacation and other leisure activities (often referred to as out-of-school insurance).

To know all the risks insured, it is advisable to ask your insurer to provide a complete list in writing.

Please note that if the child changes school, the insurer must be notified.

Is the child already covered?

While children are often protected by civil liability insurance via their parents’ multi-risk home insurance, this is not always sufficient. And for those covered by a multi-risk family insurance policy (also called “life accident guarantee”), the nature of the risks guaranteed must be studied carefully.

School insurance is a guarantee of security for children, parents and the school. But it is necessary to check in advance that the personal contracts taken out do not already cover the material and bodily damage suffered by the child.

Optional… but sometimes mandatory

In principle, school insurance is optional. Moreover, the circular of August 25, 2006 stipulates: “The admission of a child to a school or an educational establishment, as well as his participation in compulsory school activities, that is to say taking place within the framework of programs and on school time, cannot be made subject to the presentation of an insurance certificate”. She specifies that this is “however strongly recommended”.

Thus, school insurance remains optional for compulsory school activities, that is to say those included in the child’s timetable, such as a trip to the swimming pool. On the other hand, it becomes compulsory for other optional activities (such as a trip to the museum or a school trip).

How to choose your school insurance?

It is first of all advisable to turn to your usual insurer. Sometimes, more advantageous offers are offered to those who are already customers for home insurance.

Then, some parent-teacher associations can offer membership in a collective contract.

Finally, it is possible to contact the French Federation of Insurance Companies. Most of the time, school insurance costs about ten euros per child per year.


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