Practical insurance. Trajets scolaires et péri-scolaires; quelle assurance pour vos enfants?


Le contract d’assurance scolaire protège aussi le trajet entre le domicile and the school, aller and return and the can also offer des garanties complémentaires: racket ou vols divers, etc. Photo ministère de l’Intérieur.

Let’s begin with the assurance that is offered by the associations of parents of students or the classic insurers: l’assurance scolaire. Elle n’est pas obligatoire, sauf… Pour les activités scolaires obligatoires (inscrites in l’emploi du temps), comme la piscine, l’assurance is facultative.

On the other hand, l’assurance scolaire will be required for optional activities (museum visits, etc.), for visiting canteens or for extra-curricular activities – cultural or sporting – organized outside school hours.

Quelle couverture?

L’assurance scolaire protects your child against damages caused or suffered at school, collège or lycée. They are not valid during holidays, during holidays or au domicile. The civil liability covers damages caused by the child and the “bodily accident” guarantee covers damages caused by the child, and includes s’il se blesse lui-même.

There are mainly two guarantees: “school and travel” and “school and extra-school”. La scolaire et trajet is la plus economic but la couverture du trajet is le trajet le plus direct alors that the second formula covers tous les trajets.

The scooter up to 50 cm3 is accessible to children from the age of 14 and from the moment they hold an AM permit.  Photo DR.

The scooter up to 50 cm3 is accessible to children from the age of 14 and from the moment they hold an AM permit. Photo DR.

The use of a two-roues motorisé

La trottinette électrique, toujours très prisée, is an EDPM (engin de déplacement personnel motorisé) accessible from 12 years. It is covered by the civil liability insurance included in the MRH (multiple dwelling) in the framework of damage caused by levels.

Si votre enfant is responsible for the accident, the guarantee coverage of a guarantee, you avoid the payer les frais de remise in state de la trottinette and a bodily damage coverage sera d’un bon secours.

Pour les deux-roues comme les scooters (dont la conduite est autorisée à partir de 14 ans avec un permis AM carre a réputé le BSR à partir du janvier 2013), the law requires the subscription of a civil liability guarantee for automobiles. when driving a motor vehicle.

Road accident

In the event of an accident during a school transport (ramassage scolaire ou sortie organized par l’école), l’assurance du transporteur interviendra pour indemniser les dommages causés à votre enfant. Des indemnités, provided by contract d’assurance scolaire au titre de la garantie accidents corporels podyant être également versées.

If your child is hit by a car on the school route, it is the insurance of the vehicle that is charging; les assurances que vous avez souscrites pour les dommages corporels (y compris l’assurance scolaire) pot donner droit à un complément d’indemnisation.

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