Make the best choice for school insurance

Insurance is ubiquitous in our lives. To protect us in the event of a complaint, we have insurance in many areas of our lives. Car insurance, Home insurance or Insurance for our pets… everything can be insured. Insurance may or may not be required, but in all cases it is a great help in case of bad surprises. This is why so many French people have multiple insurance policies. Educating your child is no exception to this rule. At the beginning of the school year, the school asks parents to provide a certificate of school insurance. Why subscribe to this type of service? How can they help? Are they mandatory? What is the best insurance for your situation? An overview of the various options available.

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What is school insurance?

School insurance is a paid guarantee to protect your child in the event of an accident while attending school. This service is divided into two services. There is civil liability and personal injury. The first part is useful in case of damage to others. It can be physical or material. If your child injures another child or damages your equipment, you can contact your insurance company to cover the loss. The second part of the benefit is to protect the child in case of injury. Medical expenses related to his accident in the school are covered by insurance. However, school insurance is much cheaper than other insurance. You can get an insurance policy for about 10 euros a year. In addition, if you already have a contract within the insurance you want to buy, you can benefit from the promotion offer.

Is school insurance required for my child?

It’s good to know that school insurance is never obligatory. However, there is an implicit obligation as it is difficult to ensure that your child is okay when in school. Therefore, it is highly recommended and that is why schools systematically demand it. It’s essential when you’re out of school. Going out for the day, green class or snow class … “Extracurricular” activities increase the risk of accidents. As a result, if your child is not insured, he can be deprived of going out. School insurance is also required for children to eat in the cafeteria or stay in the nursery. Indeed, these activities are considered extracurricular activities and therefore he must benefit from insurance. On the other hand, if you really don’t want to insure your child, the facility can’t deny your choice and you have to teach him like any other child. Nevertheless, it is highly recommended for the peace of mind and happiness of all.

Which school insurance should I choose?

The first step before choosing school insurance is to make sure you don’t have insurance for your child yet. Certainly, it is not uncommon for home insurance and accident compensation to include school insurance. In this case, you do not need to take out new insurance unless the existing warranty will satisfy you. If you do not have school insurance, you will need to take out new insurance. To do this, start by getting closer to your car or home insurance. They may be able to offer you discounts or commercial gestures for new insurance policy subscriptions with them. Next, you need to define the level of guarantee you want for your child. If the basic formula is cheap and you want to protect it in many other situations, your bill may go up quickly.

Specifically, basic school insurance insures your child in all school activities, including cafeterias and school-sponsored outings. For other insurance products, we’ll go a step further and discuss out-of-school insurance. This means that your child will be covered 24/7, including when you are on vacation or playing sports or activities outside of school. This works, for example, if the child is taking music lessons … he and his instrument are insured. Similarly, if you’re biking, it may be interesting to take out out-of-school insurance to protect yourself in the event of an accident that can be expensive. However, some sports that are considered extreme are not guaranteed, so be sure to check the terms and conditions of your insurance company before joining. As you can see, it’s up to you to define the level of protection you need for your child’s life.

(Written by the agency hREF).