Which school insurance to choose for the start of the school year?

Whatever the age of your child going to school – from the small section of kindergarten to his final year – the school, the college or the high school will ask you for a certificate of school insurance from the first days of class. Anticipate demand and ask yourself about the coverage of your multi-risk home insurance. The latter can indeed already cover the risks occurring during the school period or the holidays for your child or teenager.

Which school insurance to choose for the start of the school year?

Which school insurance to choose for the start of the school year?

-(C) Thriving at school

Note: some insurance companies also offer a specific insurance formula for children going to a collective reception structure (drop-in centre, crèche) before starting school. There are also formulas to cover the daily life of students.

What is school insurance?

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School insurance covers the risks caused or suffered by your child during the time he is at school and during the journey home / school:

  • Civil liability guarantee (RC) covers damage caused by the child: he breaks a classmate’s glasses in the yard, he damages the overhead projector in the classroom, etc. The school insurance will cover the claim via the RC for everything related to material damage or damage to others.
  • Personal accident coverl covers damages suffered by your child, including if they injure themselves. He takes a bad fall in the yard and breaks his leg? A jostling between children generates medical expenses for your offspring? Your child gets lost during a school outing, which involves search or rescue costs? Etc.

Depending on the formula chosen with an insurance company, guarantees can also cover theft or racketeering. For example, with the MAAF Tempo children contract, you benefit from assistance in France and abroad, psychological support, home care, coverage for the theft of glasses or clothes, etc. .

Good to know: school insurance can also cover any day-to-day situation, 24 hours a day for your child.

In which cases is school insurance compulsory or optional?

School insurance is compulsory in the following cases:

· Your child has lunch in the canteen.

He participates in extracurricular activities (morning or evening daycare, supervised homework, leisure center, etc.)

· Your teenager is going on a language trip abroad.

· A snow class or a discovery class is organized by your child’s establishment, etc.

School insurance is optional in the following situations:

· Your child takes part in an educational outing in the school district.

· PE lessons take place in a gymnasium outside the school.

· Your schoolboy follows a “swimming pool” cycle during his class hours, etc.

Tell yourself that not all activities that are included in the school timetable require you to take out compulsory school insurance.

Which school insurance to choose for the start of the school year?

Which school insurance to choose for the start of the school year?

-(C) study serenely

Where can I buy cheap school insurance?

Rather than aiming for the cheapest school insurance rate on the market, take the time to compare the additional guarantees that allow you to find the school insurance that corresponds to your children’s daily life and potential risks.

In the basic formulas, the insurances always offer civil liability and the guarantee of bodily accidents that may affect your child. However, your situation may require extended coverage, including health costs (dental prosthesis, broken glasses, transport home / school in the event of a broken leg, disability, etc.). Opting for these guarantees could prove useful in the event of an accident in the schoolyard or during a school outing.

Good to know: in the event of a claim involving your child, you have five days to report it to your school insurance.

Questions to ask yourself when choosing school insurance

What situations will your child encounter during this school year:

· To eat at the school’s restaurant ?

· Participate in extra-curricular activities?

· Going on a Discovery/Snow trip with your class?

· Do an internship in France or abroad?

What are the risks that you particularly wish to cover for him and his siblings:

· Theft of school belongings?


· New pair of glasses or contacts?

· Repair or replacement of a broken orthodontic appliance?

· Broken hearing aid?

· Invalidity following an accident on the way?

· Transport costs for rehabilitation sessions?

· Support for equipment entrusted by the establishment and stolen by a third party (digital tablet or musical instrument, for example)?

· Damage to the bicycle following a collision? etc

How do I take out school insurance?

· Ask your insurer to discuss your multi-risk home insurance (which can cover all or part of the risks you wish to cover for school and extra-curricular activities and your children’s holidays).

· Ask for different quotes from other insurance companies offering school insurance formulas (online or in an agency).

· Carefully read the offer or offers that will be offered through the school, college or high school.

· Compare, choose the risks covered and the level of deductibles.

· Subscribe without delay ideally in the fortnight following the start of the school year at the most.

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It’s up to you to choose the level of protection you want for your child. And good luck to everyone, parents and children alike!


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