Back-to-school and sports season: which insurance do your children need?

The start of a new school year always feels like a fresh beginning: a new backpack, sports activities, new commutes… But it also raises an essential question: are your children properly protected in case of an accident or if they cause damage to others? Too often, parents discover too late that certain situations are not covered.

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Liability insurance: the foundation of protection

As soon as your child takes part in school, sports, or extracurricular activities, they may be involved in an accident. This is where liability insurance comes into play:

• At school: if a student spills a drink on a classmate’s laptop or causes a fall.

• In a club or association: a ball breaking a window, an accident during a competition.

• In private life: breaking a friend’s phone or causing damage to a third party.

💡 Make sure your home insurance policy includes personal liability coverage. It is essential to protect your children in everyday life.

School and sports accidents: what coverage is available?

Falls in the schoolyard, injuries during PE, sprains on the football field… school and sports accidents are common. But contrary to popular belief, they are not always automatically covered by the school or the club.

There are two main scenarios:

1. A third party is responsible (classmate, teacher, faulty equipment) → the liability insurance of that party covers the costs.

2. The child is solely responsible → liability insurance does not apply.

Collective accident insurance

In sports clubs and competitions, collective accident insurance often covers all members, even if the child is solely responsible for their injury.At school, however, such coverage is much rarer. A fall during PE, for example, may not be compensated.

Private accident insurance

To fill these gaps, it is advisable to take out private accident insurance. It protects your child—and even the entire family—in all everyday situations: at school, on holiday, during sports, or at home.

This insurance may include:

• coverage of medical, hospital, and rehabilitation costs,

• compensation in case of temporary or permanent disability,

• assistance services (tutoring, home help, childcare),

• compensation in the event of death.

👉 Covering school, sports, and leisure, private accident insurance is the most comprehensive solution to keep your children protected every day.

Supplementary health insurance: a valuable support

The CNS covers most medical expenses, but not all. Additional health insurance helps cover:

• hospitalization costs (private room),

• specialist consultations,

• dental or orthodontic care,

• glasses and other health equipment.

In the event of a school or sports accident, it helps parents avoid high expenses and complements both liability and accident insurance.

Don’t forget children’s equipment

Back-to-school also means tablets, laptops, bikes, or scooters. These valuable items are often at risk of theft or damage.

Some home insurance contracts include equipment protection: theft at school, accidental breakage, replacement, or reimbursement.

💡 Check your policy: some only cover damage at home, while others also protect items on the go.

Conclusion: a safe and secure back-to-school with the right insurance

The back-to-school period is the perfect time to review your insurance policies and ensure your children are well protected. Between liability insurance, private accident insurance, supplementary health coverage, and equipment protection, several solutions exist to secure their daily life.

Since every family has different needs, it’s best to review your coverage with your advisor to identify what’s already included and what might be missing.

👉 By planning ahead, you’ll guarantee your children a school year under the sign of safety and peace of mind.