Insuring your school age children
Every school year, parents receive several proposals to ensure their children. But a specific insurance is not always necessary. Some tips to choose your contract or … without it!
At school, on the way at home during the holidays … Many accidents involving children may be victims or responsible. What you typically involve schools, is the insurance certificate proving that you are insured “civil liability” is to tell if your child causes injury to others. Normally, comprehensive home insurance, and generally without particular extension, cover the liability of the whole family, including children.
If you also want compensation for damage to your child, it should then agree an extension specific “school” in your contract home or enter into another contract, “Guarantee accident of life” which he covers whole family for the damage caused to its members when the accident has no known perpetrator. Insurance specific school is only useful if the contract is inadequate housing or lack of collateral accident of life.
The contract housing can provide this assurance
It is not always necessary to insure a specific school. Contracts often provide housing – or offer an extended warranty – hazards in schools. If your housing contract is provided, unnecessary insurance specific school. Normally your insurer sends you in the summer of the certificate of guarantee to provide the school your child. The guarantees included in contracts as comprehensive home always include liability coverage for accidents caused by the child (he broke a pane of his class, the glasses have a buddy, but hurts ….), also, with or without extension (to check), guarantees in case of damage to your child as:
- Payment of capital for the damage to your child with permanent disability, total or partial (depending on the contracts the compensation may be capped), whether or not responsible for the accident. Attention to the amount of security: the capital is paid in full if the disability is 100%. In case of partial disability, only a portion of that capital will be paid, which corresponds to the degree of disability determined by physicians.
- Payment of capital in the event of death, designed to meet the funeral expenses.
- The reimbursement of care and complement the social systems (medical, pharmaceutical, surgical and hospitalization).
Warranty accident of life (GAV) alone is never enough
Guarantee leisure accidents (GAV) intervenes to damage your children and allows payment of compensation in case of permanent disability in the amount of actual damages suffered as a full compensation for death. In case of total disability or death, financial compensation may reach one million euros. His main interest? It covers damage to your child, there is a charge or not. Thus, if he hurts himself, he will be covered.
However, the guarantee of the accidents of life (GAV) does not support damage your child to other persons or institutions (guarantee liability). To meet the requirement of schools that routinely ask that children are guaranteed in civil liability, it will check that you do not already have in your house or contract insurance specific school.
Lacking other safeguards, the school insurance is required
If parents did not support either of the insurance described above, or at least a comprehensive insurance house with an extension that covers their children, school insurance is essential. Its price varies from 10 to 30 euros on average per child. There are two formulas:
- “School”: the child is assured only if the accident occurs during activities organized by the institution or on the way to school;
- “School-school”: the child runs all year and in all circumstances: at school, at home, on holiday … except when performing any gainful employment. Should check if sports that practice are well covered.
