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NEED HELP figuring out the personal insurance required by the schools

1495 Views 4 Replies 2 Participants Last post by  Bevdeforges, 
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I am so confused by the 'assurance' required for school age children--is it an insurance all French residents need? Where and how do we get it? I hear it is through the mortgage or rent, but we are doing a short term (well, 6 months) vacation rental here in Pau, France so we don't have an obvious or easy way of getting coverage.
I am not sure how to do it although I heard of La MAE as a good source for ADDITIONAL school insurance, but I still need to find out how to get the initial coverage for all four of us eventually (they are very strict about getting it right away for our school age kids).
What is it for?
How do I get it?
Can anyone help me PLEASE?
Thanks,
Beth
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Bevdeforges
OK, if you're talking about the "personal insurance" it's actually personal liability insurance - if you have renters insurance, chances are it's part of that.

Basically, you need personal liability insurance in case your kid causes damage or injury to somebody else at school - another student, the teacher or someone just walking by. For example, if the kids were playing out in the playground at school and your kid threw a snowball at someone and knocked off and broke the other kid's glasses, then technically you're liable for replacing them. Stuff like that...

I think it's called "responsabilité civile" as that's the kind of insurance required by our local newcomers association for everyone who takes part in the activities. It shouldn't be terribly expensive and should be available through any local insurance agent.
Cheers,
Bev
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Bevdeforges said:
OK, if you're talking about the "personal insurance" it's actually personal liability insurance - if you have renters insurance, chances are it's part of that.

Basically, you need personal liability insurance in case your kid causes damage or injury to somebody else at school - another student, the teacher or someone just walking by. For example, if the kids were playing out in the playground at school and your kid threw a snowball at someone and knocked off and broke the other kid's glasses, then technically you're liable for replacing them. Stuff like that...

I think it's called "responsabilité civile" as that's the kind of insurance required by our local newcomers association for everyone who takes part in the activities. It shouldn't be terribly expensive and should be available through any local insurance agent.
Cheers,
Bev
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Thanks, Bev.
I am so relieved to finally understand it...although no one so far has said to me SIMPLY go to a local insurance agent!
I did get the numbers required from the couple we are renting from, but it would be under their name so I am not sure if that would work? Also, my daughter's school said just the numbers weren't enough and that I need to go to BPSO (Banque Populaire Sudouest) and "demande une attestation d'assurance aysies (sp? hard to read) de la BPSO". What is that?!
This is overwhelming and I know there is SO MUCH more to come...very daunting.
While I am here asking you MORE things (thank you!) about 'assurance' can you give me any tips on how to get/where to get the carte de sante?!
Your help is priceless--and very appreciated.
Cheers,
Beth
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The insurance costs very little - can't remember exactly how much, sorry. A one-off payment at the start of each school year, or whenever you arrive. Covers school trips and the like, too.
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Bevdeforges
Since most banks sell insurance, you can just go see your bank and ask them about the insurance and the certificate needed for the school. They bug the heck out of me about coming in to see my personal counselor, so I imagine you'll make your personal bank counselor's day if you make an appointment to see him or her and lay this one on their desk to sort out.

Now, are you in need of a carte vitale (i.e. the insurance card) or a carnet de santé for your child? The carnet de santé is just a little booklet you get from your doctor that documents the shots and immunizations your child has had. Easiest thing would be to go see your doctor, and bring any and all immunization records you have (from the States or elsewhere) and ask the doctor to start a carnet de santé for your child.

I don't know if he can vouch for the foreign records - but he can give your child any immunizations they are missing and at least give you the proper piece of paper - which is often all they really want.
Cheers,
Bev
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