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What is the purpose of school insurance?

Verified 09 February 2022 - Directorate for Legal and Administrative Information (Prime Minister)

School insurance protects your child against damage caused or suffered at school, college or high school. In principle, school insurance is optional. However, it may be mandatory in certain cases.

In principle, you do not have to buy school insurance for your child.

For all compulsory school activities, i.e. those entered in the child's schedule, the insurance is optional.

Example :

For a trip to the swimming pool or the gymnasium, school insurance is not mandatory.

However, it will be required for optional activities organized by the establishment (visit of a museum, language stay, discovery classes, ...).

You should also take out school insurance if your child attends school canteen.

This is also the case if he participates in the activities organized by the municipalities after school time (supervised studies, cultural or sporting activities).

School insurance protects your child against damage caused or suffered at school, college or high school.

It consists of the following 2 guarantees:

  • The civil liability guarantee covers damage caused by the child.
  • The personal injury guarantee covers for the damage suffered by the child, including if the child injures himself.

The school insurance contract may also offer additional guarantees.

Example :

Racketeering or various thefts, assistance services enabling a sick child to continue home schooling

Depending on the package chosen, the insurance protects your child in one of the following ways:

  • During school activities and the commute to and from school, round trip (usually called school insurance).
  • 24 hours a day, in any place and all year round, including during leisure activities and holiday periods (usually called out-of-school insurance).

You can purchase this insurance from your regular insurer.

You can also join a collective agreement offered by a parents' association or by a private educational institution.

Check beforehand that you do not already benefit from school insurance guarantees in another insurance contract.

Example :

The school insurance liability guarantee can be covered by your insurance multi-risk housing. Certain personal contracts (individual accident or life-injury guarantee) may also guarantee personal accidents to the child.

For the subscription of a specific contract, the cost is fixed by the insurance company.

Rates generally start around €10 per year per child.

If your child changes school or institution, you must notify your insurer.