School insurance: prices, extracurricular … Know everything


SCHOOL INSURANCE. In some cases, you will need to take out a school insurance policy for your child.

School insurance can be a must. In fact, it is also optional for activities already included in your child’s time commitment, it is mandatory in certain situations. In some cases, it may be mandatory because it allows you to protect your child. As a reminder, it is optional in principle. Be careful, though, because she is mandatory in certain circumstances. This is the case for them Optional activities organized by the school: outing to the museum, language stay, green class … The same is true when you have lunch in the canteen and do extracurricular activities after school, according to the Ministry of National Education’s website. Is it necessary to sign a dedicated contract? Meeting in the next paragraph for more.

Have you consulted your home insurance policy in advance? This allows the effect of avoiding duplicates. Your multi-risk housing contract may contain a civil liability clause. The same goes for certain individual contracts: a life accident guarantee may be included. In this case your child is already protected.

If not, know that you can turn to many actors 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 student parent association.

School insurance always has two guarantees. ITA personal injury guarantee will cover the damage your child suffers, “even if he injures himself,” explains service-public.fr. As for the civil liability guarantee, she covers it when he is liable for damages to others. Very concretely, school insurance protects the child in a very specific setting: on the way to school and during compulsory school activities (included in his schedule).

Iit It is possible to add additional guarantees to school insurance, covering racket or cyberbullying for example. Extracurricular insurance protects your child 24 hours a day at school, in the family home, but also during extracurricular activities. Expect to see the price of your school insurance go up (read below).

It depends on the formula you are subscribing to. Prices start at eight euros for traditional school insurance. The price of a school insurance is generally 10 euros per year and per child. What cost increases and I decide to complete the contract with additional guarantees or if I opt for an extracurricular insurance.

If you choose school and extracurricular insurance, be aware that rates are skyrocketing and can easily exceed € 40 per child per year. Keep in mind that, as with any insurance, support ceilings are required (for optics or dental, for example).

To terminate school insurance, be aware that you will need to send a registered letter to the insurer. Please note that resistance cannot occur before the annual action. This last is inscribed in the your school insurance contract. So remember to read it carefully before sending your mail. A forecast period may be imposed to terminate school insurance.

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