SCHOOL INSURANCE. A few days after the start of the 2022 school year, school insurance appears to be essential to cover your children against the multiple risks of the playground. But is it compulsory? We tell you everything.
[Mis à jour le 6 septembre 2022 à 14h23] Once the start of the school year has passed, there is always time for parents to take out school insurance if this has not yet been done. This insurance has become essential to cover your child against sudden risks and the risks caused. However, a gray area is often maintained as to its mandatory nature. Clearly, school insurance is obligatory for the optional activitiess (exit from the museum, green class). She is not not mandatory for the activities listed in the schedule of the student (physical education lessons, swimming pool). Is your children’s school asking you to take out school insurance? Do not wait any longer, and consult our dedicated file before you start to know everything about this insurance:
School insurance guarantees the damage that a schoolboy, middle school or high school student could cause to a third party but also those that he could suffer. Remember that it is compulsory for optional school activities such as a visit to a museum or a language course. On the other hand, it remains optional for the canteen and the compulsory school activities appearing in the pupil’s timetable (outings organized within the framework of a school sports activity, to the swimming pool or to the gymnasium for example).
Every year, 12 million children aged 3 to 18 go back to school. This is an opportunity for various establishments and insurance companies to offer school insurance to cover any risk relating to school activities. At the MAE, basic insurance is offered at the price of 11.90 euros per year. It covers, in particular, psychological support in the event of aggression or racketeering. Generally, the price of school insurance fluctuates around ten euros for the entry-level formula. At Carrefour, school insurance is available from 9.90 euros per year.
Have you consulted your contract ofHome Insurance upstream ? This makes it possible to avoid duplication. Your multi-risk home contract may contain a clause of public liability. Ditto for certain individual contracts: a life accident guarantee can be included. In this case your child is already protected.
If this is not the case, be aware 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. Lhas bodily accident insurance 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 in a very specific context: on the way to school and during compulsory school activities (listed in their timetable).
II it is possible to add additional guarantees to a school insurance, covering racketeering or cyberbullying for example. Extra-curricular insurance protects your child 24 hours a day at school, at home, but also during extra-curricular activities. Expect to see the price of your school insurance go up (read below).
It depends on the formula to which you subscribe. Prices start at eight euros for a classic school insurance. The price of school insurance is generally 10 euros per year and per child. This cost increases if you decide to complete your contract with additional guarantees or if you opt for out-of-school insurance.
If you choose school insurance and out-of-school insurance, be aware that the prices are skyrocketing and can easily exceed 40 euros per child per year. Keep in mind that, as with all insurance, coverage limits are imposed (for optics or dental, for example).
To proceed with the cancellation of a school insurance, know that you will have to send a letter by registered mail to the insurer. Please note that termination cannot take place before the annual due date. The latter is included in your school insurance contract. So remember to read it carefully before sending your mail. A notice period may indeed be imposed on you to terminate school insurance.