Daft Doctor Posted February 13, 2013 Share Posted February 13, 2013 When my son recently had his schoolbag and contents stolen (recovered the next day thank god!), I was surprised to find out that our house insurance in France doesn't cover anything taken outside of the four walls. I'm assuming that this is the norm in France, but in that case is there a separate insurance available for domestic items and sporting goods taken or used outside the home, e.g. bikes, skis, schoolbags (!), etc? Any insight much appreciated. Link to comment Share on other sites More sharing options...
sid Posted February 14, 2013 Share Posted February 14, 2013 No replies so far, which is unusual. No doubt we'll get some contradictions now... [:D]If you want "toutes risques" you'll pay extra and I'm not sure how far this extends but I think it's only for certain named items. That's how it looks on my policy anyway. I have an expensive trombone and I have included that on my buildings and contents insurance so that it is now covered away from the home for theft and accidental damage. It's actually on new-for-old replacement. The additional premium was based on value and it compared favourably to that which I paid in UK for a single instrument policy (quite common in UK but it seems less popular here).My insurance agent is very helpful and they can usually tailor your cover to meet your specific needs, so my advice would be to go and have a chat. Link to comment Share on other sites More sharing options...
idun Posted February 14, 2013 Share Posted February 14, 2013 Would this have been covered if he had had separate school insurance? I never took separate insurance for school so have never seen a contract, maybe it would be worth looking at a school insurance cover for next year. Sid is right, for the rest you'll have to ask what extras your insurance company offers. Link to comment Share on other sites More sharing options...
NormanH Posted February 15, 2013 Share Posted February 15, 2013 I thought that 'assurance scolaire' was obligatory but looking here it seems I was wrong:http://www.education.gouv.fr/cid34/la-vie-scolaire-sante-et-assurances-scolaires.htmlhttp://vosdroits.service-public.fr/F1871.xhtmlThis is what to do in case of theft at school http://vosdroits.service-public.fr/particuliers/F20283.xhtmlOn the general point I think sid is right, and you need to have specific items of value named. Link to comment Share on other sites More sharing options...
idun Posted February 15, 2013 Share Posted February 15, 2013 We were with the MAIF, and didn't bother taking out separate assurance scolaire, just handed in an attestion from them. Some parents would use the assurance scolaire via the school, but I never looked at that contract, I reckoned that the MAIF would have everything covered that we needed. Assurance scolaire may not be obligatory, but without it the kids cannot go on school outings. NH, I read the 'vol ou de racket' with interest, what do you take 'racket' actually to mean on the service public site???? I know what I think it means, but it may have other meanings, as some things do. Link to comment Share on other sites More sharing options...
NormanH Posted February 15, 2013 Share Posted February 15, 2013 I would say the sort of bullying that makes a child hand over possessions or even cash.. Link to comment Share on other sites More sharing options...
idun Posted February 15, 2013 Share Posted February 15, 2013 Thanks NH, that is what I thought, racketeering in english isn't it? Link to comment Share on other sites More sharing options...
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