School insurance: optional or compulsory? What are the advantages ?

Aurélien Fleurot, edited by Laura Laplaud 06:53, August 24, 2022

This is one of the must-haves for the start of the school year if you have a child who takes over the management of school next Thursday: think about school insurance.

Optional or mandatory?

What coverage for your child and what new features to anticipate this year?

Europe 1 takes stock.

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The first thing to do is to check whether school insurance is already present in your multi-risk home contract.

This is often the case but it is not systematic.

If the school insurance is optional for the activities planned in the timetable of the pupil, it is on the other hand obligatory in several situations.

Optional activities organized by the establishment (visit to a museum, language course, discovery classes).

You must also take out school insurance if your child eats in the canteen.

Same thing if he participates in activities organized by the municipalities after school time (supervised studies, cultural or sports activities).

Insurance against cyberbullying

School insurance protects your child, in the classic way, against damage caused or suffered.

Whether it's broken glasses or an injury after a stampede.

It is also necessary to adapt to the evolution of the behavior of the pupils, in particular in the event of harassment via the social networks, specifies Ralph Ruimy, co-founder of the online insurance, Acheel: “New guarantees have appeared recently, against cyberbullying or the use of a social worker. They are not part of school insurance, you find them in home insurance and this can increase the bill". 

Also ensure... the teachers!

School insurance rates range from 9 to 35 euros per year, depending on the level of cover and options.

Some will be included in the overall price, as is the case, for example, with MAIF, which pays for the theft of schoolbags without a deductible or the psychological follow-up of a harassed pupil.

The insurer has even just launched a specific offer for teachers: it covers in particular legal costs in the event of a complaint from parents or harassment on the part of students.

The directors of public establishments can also benefit from it, in the event of harassment of a parent of a pupil who disputes the marks of his child. 

Finally, a question that comes up regularly with insurers: if your child, in college for example, has a mobile phone, there in the event of a problem, he will not be covered by school insurance.