Back to school is an important time for families, and your children's safety at school is a priority. Taking out school insurance is an essential step to guarantee their protection in the event of accidents or incidents. In this article, we explain everything you need to know about school insurance, its benefits, and how to choose the right coverage for your child's needs.
What is school insurance?
School insurance is a contract that covers children in the event of accidents occurring during their school and extracurricular activities. It generally consists of two parts:
1. Civil liability insurance: Covers damage that your child could cause to third parties (other students, teachers, material property) during school or extracurricular time.
2. Personal accident insurance: Covers bodily injuries that your child may suffer, whether or not he or she is responsible for the accident.
Why take out school insurance?
1. Complete protection
Although liability insurance is often included in home insurance, it does not always cover all aspects of school accidents. School insurance offers more comprehensive protection, including after-school activities, school trips and commuting.
2. Coverage of extracurricular activities
School insurance also covers extracurricular activities such as sports clubs, educational trips and summer camps. This extensive coverage ensures that your child is protected in all circumstances, whether during school hours or during after-school activities.
3. Compensation for bodily injury
In the event of an accident, school insurance can cover medical expenses, hospitalization, and even rehabilitation costs. It can also provide compensation in the event of temporary or permanent disability, which is not always the case with other insurances.
4. Peace of mind for parents
Knowing that your child is well protected allows you to focus on their education and well-being without worrying about the financial consequences of an accident. School insurance offers peace of mind by guaranteeing suitable coverage for all the hazards of school and extracurricular life.
How to choose the best school insurance?
1. Compare offers
Before purchasing school insurance, it is important to compare offers from several companies. Look at the guarantees offered, the exclusions, the compensation ceilings, and the deductibles. An online comparator can be a useful tool for this step.
2. Check the guarantees included
Make sure your school insurance includes essential guarantees such as civil liability, personal accident coverage, medical expenses and compensation in the event of incapacity. Some policies also offer additional guarantees such as psychological assistance or academic support in the event of illness or accident.
3. Take into account the child's activities
Choose insurance that covers all of your child's activities, whether they are academic or extracurricular. If your child plays sports or participates in cultural activities, check that these activities are included in the coverage.
4. Read the exclusions carefully
Exclusions are situations or types of damage that the insurance does not cover. Read the terms and conditions carefully to understand the limitations of your contract. For example, some insurance may exclude risky sports or intentional acts.
5. Evaluate the value for money
The price of school insurance should not be the only criterion for choosing. Evaluate the quality/price ratio by taking into account the guarantees offered and the quality of the insurer's customer service. Cheaper insurance may have significant limitations that do not justify the savings made.
Steps to take out school insurance
Taking out school insurance is quick and easy. You can usually do it online, by phone, or in an agency. Here are the steps to follow:
1. Request quotes: Contact multiple insurance companies to get personalized quotes.
2. Compare offers: Use an online comparator to evaluate guarantees and prices.
3. Choose the right offer: Select the insurance that offers the best value for money based on your child's needs.
4. Subscribe to the contract: Complete the subscription form and provide the necessary documents (ID, proof of address, etc.).
Receive your certificate: Once the subscription has been completed, you will receive a certificate of insurance to present to the school.
Conclusion
School insurance is a key element in ensuring the protection and safety of your child throughout the school year and during extracurricular activities. By choosing suitable coverage, you guarantee effective support in the event of an accident and benefit from peace of mind.
At KT Assur&Bank, we help you choose the best school insurance for your children. Do not hesitate to contact us for personalized advice and a quote tailored to your needs.