Insurance for school days

Cover is not needed for educational activities but it is for ‘optional’ activities such as trips and eating in the cantine.

In practice, it makes life easier at all levels. Household multi-risk insurance will usually have an element of cover for damage your child causes but extra is needed for other cases; if your child is hurt and there is no blame, a schoolbag is lost or stolen, or even bullying.

Recently, insurers such as Macif have started to include assurance scolaire in household policies and, seeing a market of 13million pupils, Carrefour Banque offers it at €7.50.

School parent associations should be able to advise.