SCHOOL INSURANCE 2021. Back to school is fast approaching. Are you hesitating about taking out school insurance? We will explain everything to you in detail.
[Mis à jour le 30 août 2021 à 08h46] List of school supplies, registration for a sports activity … For a few days now, you have been anticipating your children’s back to school in great detail. Are you sure you haven’t omitted anything? School insurance can be a must. Indeed, if it is optional for the activities already included in your child’s schedule, it is compulsory in certain situations. In some cases, it may be mandatory because it helps protect your child. As a reminder, it is optional in principle. Be careful, however, because it is mandatory in certain circumstances. This is the case for optional activities organized by the school: outing to the museum, language study trip, green class, etc. It is the same when he eats lunch in the canteen and if he carries out extracurricular activities after school, can we read on the website of the Ministry of National Education.
Did you consult your home insurance contract beforehand? This makes it possible to avoid duplicates. Your comprehensive home policy may contain a clause of public liability. Ditto for certain individual contracts: a life accident guarantee may be included. In this case your child is already protected.
If this is not the case, know that you can turn to many players to take out school insurance, insurance companies (Macif, MAE, etc.) or even a brand like Carrefour. You can also apply for school insurance by joining a parents’ association.
School insurance always includes two guarantees. La bodily accident guarantee will cover the damage that your child suffers, “including if he injures himself”, explains service-public.fr. About the civil liability guarantee, she covers it when he is responsible for damage caused to others. Very concretely, school insurance protects the child within a very specific framework: on the way to school and during compulsory school activities (included in his timetable).
Il it is possible to add additional guarantees to school insurance, covering the racket or cyberstalking for example. Extra-curricular insurance protects your child 24 hours a day at school, at the family home, but also during extra-curricular activities. Expect the price of your school insurance to go up (read below).
It depends on the plan to which you subscribe. Prices start at eight euros for classic school insurance. The price of school insurance is generally 10 euros per year and per child. This cost increases if you decide to supplement your contract with additional guarantees or if you opt for out-of-school insurance.
If you choose school insurance and extra-curricular insurance, be aware that prices are skyrocketing and can easily exceed 40 euros per child per year. Keep in mind that, as with any insurance, coverage limits are imposed (for optics or dental care, for example).
To terminate school insurance, be aware that you must send a letter by registered mail to the insurer. Please note that termination cannot be made before the annual deadline. The latter is listed in your school insurance contract. So remember to read it carefully before sending your mail. A notice period may in fact be imposed on you to terminate school insurance.