Liabilities - School Insurance
At the beginning of each school year, you ask yourself the question ‘should I insure the children?’. At school, on the way, at home or during the holidays, your children could cause or be victim of an accident. Assurance scolaire has now become a necessity.
Are school children obliged to have insurance?
- No, all free activities taking place within or outside of school grounds are covered by the school’s own insurance. However assurance scholaire is strongly recommended by the Department of Education.
- Obligatory assurance scolaire has been imposed by the Department of Education to insure children for accidents occurring during participation in certain optional activities organised by the school. These include: school trips, over-night trips (classe de découverte…), their lunch break, any activity which exceeds normal school hours.
What are the advantages?
- Assurance scolaire like household insurance includes third party liability, and optional cover against accidents caused by the child.
- Provision of legal representation in case of a claim.
- Capital awarded upon death or incapacity plus medical cover in association with the social security system.
- What should you do to protect your children 24 hours/day, 7 days/week, from playschool to university?
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