School Insurance in France 2026: Mandatory? Prices & Coverage Guide
Complete guide to understanding school insurance and effectively protecting your children at school and beyond.
1. What is school insurance?
School insurance is a policy that protects your child during school and extracurricular activities. It covers damage they may cause to others (liability) as well as injuries they may sustain themselves (personal accident coverage).
The two pillars of school insurance
Civil Liability (CL)
Covers damage your child causes to third parties (classmates, school equipment...)
Personal Accident Coverage (PAC)
Covers injuries your child sustains, even without an identified responsible party
2. Is it mandatory?
The answer is nuanced: school insurance is not mandatory for compulsory school activities, but it is required for optional activities.
Not mandatory for:
- • Classroom lessons
- • Recess
- • Mandatory sports activities
- • Home-school commute
Mandatory for:
- • Canteen
- • Daycare and study hall
- • School trips
- • School excursions
- • Extracurricular activities
In practice: Since most children participate in optional activities (canteen, trips...), school insurance is practically essential.
3. Essential coverage
School Civil Liability
Covers damage caused by your child to third parties during school activities.
Examples: Classmate injury, broken glasses, torn clothing, damaged school equipment
Personal Accident Coverage
Compensates your child for injuries, even without an identified responsible party.
Examples: Playground fall, sports accident, injury during a trip
Additional coverage (depending on plan)
- • Theft and assault: Coverage for stolen items
- • Bullying: Psychological support and assistance
- • School bag theft: Reimbursement of school supplies
- • Search costs: If the child goes missing
- • Broken glasses: Reimbursement without excess
4. Different plans
| Plan | Coverage | When? | Price/year |
|---|---|---|---|
| Basic School | CL + PAC | School only | €10-15 |
| Extended School | CL + PAC + Options | School + commute | €15-25 |
| Extracurricular | CL + PAC + Extended options | 24/7, year-round | €25-40 |
Our recommendation: The extracurricular plan offers the best coverage-to-price ratio, as it protects your child at all times (holidays, weekends, sports).
5. Prices and comparison 2026
Prices vary by insurer and coverage chosen. Here's an overview of average market prices:
Basic plan
€10-15
per child/year
Extended plan
€15-25
per child/year
Extracurricular
€25-40
per child/year
Where to subscribe?
School insurance specialists, competitive rates
Option to add to your existing policy
Often included in family packages
6. How to subscribe?
Subscribing to school insurance is quick and easy:
- 1Check your existing policies
Your home insurance or bank card may already include coverage
- 2Compare offers
Consider coverage, limits and deductibles
- 3Subscribe online or in person
Takes just a few minutes, instant certificate
- 4Submit the certificate to school
Usually requested at the start of term or before trips
Tip: For large families, ask for a discount. Many insurers offer reduced rates from the 3rd child.
7. Frequently asked questions
Is school insurance mandatory?▼
No for compulsory activities (classes), but yes for optional activities (canteen, trips, daycare). In practice, it's almost essential.
How much does school insurance cost?▼
From €10 to €40 per year depending on the plan. A basic plan costs around €10-15, the extracurricular plan (24/7) around €25-40.
Does my home insurance cover my child at school?▼
Your home liability covers damage your child causes to others, but not injuries they sustain themselves. School insurance adds this personal accident coverage.
What's the difference between school and extracurricular?▼
School insurance only covers school and commute. Extracurricular protects your child 24/7, including holidays, weekends and sports activities.
Official sources
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Disclaimer: Prices shown are indicative and may vary by insurer and coverage chosen. Compare several quotes before subscribing.