School insurance is not just for schoolchildren. Students are also affected by this type of coverage. Its subscription is of real interest. You still have to opt for a contract adapted to your needs. Find out below everything you need to know about school insurance and advice on choosing it wisely.
What is school insurance?
School insurance refers to a contract which aims to cover damage caused or suffered by its beneficiary. It is generally subscribed to by parents of nursery and primary school pupils as well as those of middle and high school pupils at the start of the school year. It then allows their children to benefit from coverage throughout the school year.
Contrary to some popular belief, school insurance can also be taken out during higher education. It is also possible to extend coverage several years after the insured child reaches the age of majority, whether or not the child is attached to his or her parents’ tax household. Contracts intended for students most often include the following basic guarantees:
● Civil liability. It covers material, immaterial or bodily damage caused by the insured to a third party;
● Individual accident guarantee. It covers bodily injury that the insured himself is likely to suffer in the context of a claim, whether he is responsible for it or not.
Depending on the offer chosen, students can also benefit from different additional guarantees. For example, by opting for the contract offered on https://www.assu2000.fr/assurance-scolaire, you will have access, depending on the formula selected, to guarantees such as:
● Assistance to people;
● Legal assistance;
● The racketeering guarantee;
● Hospitalization guarantee.
The importance of school insurance for a student
At the start of the school year, it is common for parents to wonder whether school insurance is compulsory or not? For schoolchildren, it is not applicable for compulsory school activities, that is to say those planned in the school program, whether they take place inside or outside the establishment. On the other hand, it is imperative to have such coverage for optional activities such as museum visits, discovery classes, school trips, etc.
For students, school insurance is optional for activities that take place during university time. This being said, they must be covered under civil liability during periods of internship and learning as well as during educational outings. This guarantee can be included in the home insurance of parents or students themselves. School insurance is therefore not compulsory for the latter in principle. However, subscribing to it is strongly recommended. Indeed, the costs caused by certain disasters can be very significant. You will have to bear them in full if you are not covered. On the other hand, subscribing to school insurance will allow you to benefit from real autonomy.
The different types of school insurance
School insurance can be divided into two categories. On the one hand, there are contracts that offer coverage during school activities as well as during the return trip between home and the establishment.
On the other hand, there are insurance policies that apply 24 hours a day, anywhere and all year round, including during leisure activities and vacation periods. This type of coverage is called out-of-school insurance. The related contracts most often contain guarantees relating to glasses, dental care and musical instruments. In addition, they can offer support in the event of long-term hospitalization as well as psychological and/or legal assistance for victims of harassment.
How to choose the best offer?
It can be difficult to choose school insurance because there are so many offers on the market. To be sure you are choosing the best contract, you must start by identifying your needs. This will help you direct yourself towards offers with an adequate level of coverage. If your needs come down to civil liability and individual accident cover, school insurance with basic guarantees is likely to be suitable.
In the case of specific needs, you will need to opt for an offer that includes additional guarantees. By way of illustration, if your studies involve spending time abroad, you will need to opt for a contract that offers broader coverage. It is particularly preferable that the latter offers medical assistance as well as coverage of health expenses in the host country.
Once you have determined your needs, find out about the different prices of the offers that meet them. To do this, simply send a quote request online. In addition to being quick, the process is free. For information, the prices of school insurance for students average between 10 and 40 euros per year. They vary depending on the insurer, the level of coverage selected and the options chosen. Do not hesitate to compare the different quotes you will receive to find the cheapest offer.
There are other criteria to take into account when choosing the best school insurance:
● The level of franchise. School insurance may have a deductible. This term refers to the amount that remains the responsibility of the insured in the event of an accident. The amount of the excess applicable for each type of claim is generally indicated in the general conditions of the contracts. Therefore, be sure to examine them scrupulously;
● Compensation ceilings. This is the maximum amount of coverage that can be obtained in the event of a disaster. This is not always the same depending on the insurers. This is why it is better to make a comparison;
● Warranty exclusions. A school insurance contract may contain a clause which exempts the insurer from taking on certain risks. To avoid unpleasant surprises, it is essential to take the time to check the warranty exclusions.
In short, making a comparison between the different offers available is an excellent way to find the best school insurance for students. You can use online comparators to make things easier.
