What is the purpose of school insurance?

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 cover for damage undergone by the child, including if the child injures himself.

The school insurance contract may also offer additional guarantees (racketeering or miscellaneous theft, assistance services enabling a sick child to continue his or her education at home).

Depending on the package chosen, the insurance protect 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).

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.

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).

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.

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.