{"id":17041,"date":"2023-07-24T14:40:28","date_gmt":"2023-07-24T12:40:28","guid":{"rendered":"https:\/\/leocare.eu\/fr\/?p=17041"},"modified":"2025-04-08T15:52:31","modified_gmt":"2025-04-08T13:52:31","slug":"assurance-scolaire-responsabilite-civile-differences","status":"publish","type":"post","link":"https:\/\/leocare.eu\/fr\/blog\/assurance-scolaire-responsabilite-civile-differences\/","title":{"rendered":"Assurance scolaire et responsabilit\u00e9 civile, quelles diff\u00e9rences ?"},"content":{"rendered":"\n

Quand on parle d\u2019assurance scolaire, on entend souvent dire que la responsabilit\u00e9 civile peut la remplacer. Mais ce n\u2019est pas vraiment le cas\u2026 on vous donne les situations dans lesquelles il vaut mieux avoir chacune de ces garanties.<\/em> \ud83d\ude09<\/p>\n\n\n\n

Qu’est-ce que la responsabilit\u00e9 civile ? <\/h2>\n\n\n\n

L’assurance habitation<\/a> comporte plusieurs garanties, dont l’une est la responsabilit\u00e9 civile. Cette garantie couvre tous les dommages corporels et mat\u00e9riels que vous pourriez accidentellement causer \u00e0 un tiers. Il est important de noter que cette garantie est automatiquement incluse dans votre contrat d’assurance habitation.<\/strong> En comparant les offres des diff\u00e9rentes compagnies d’assurances, vous pouvez trouver une couverture qui correspond \u00e0 vos besoins tout en r\u00e9alisant des \u00e9conomies sur votre cotisation.<\/p>\n\n\n\n

Qu’est-ce que l’assurance scolaire ?<\/h2>\n\n\n\n

L\u2019assurance scolaire prot\u00e8gera votre enfant, de la cr\u00e8che \ud83d\udc76 jusqu\u2019\u00e0 l\u2019universit\u00e9 \ud83e\uddd1\u200d\ud83c\udf93.<\/strong> Elle vous sera obligatoirement demand\u00e9e lorsque l\u2019\u00e9tablissement scolaire de votre enfant proposera une activit\u00e9 extrascolaire facultative.<\/p>\n\n\n\n

\"\u00c9tudiants\"<\/figure>\n\n\n\n

Quelles sont les diff\u00e9rences entre ces deux garanties ?<\/h2>\n\n\n\n

Il est fr\u00e9quent de penser que la responsabilit\u00e9 civile de son assurance habitation peut se substituer \u00e0 l\u2019assurance scolaire, mais ce n\u2019est pas tout \u00e0 fait vrai ! Ces deux garanties proposent une couverture diff\u00e9rente. <\/p>\n\n\n\n

L\u2019assurance scolaire<\/strong> couvrira votre enfant de la cr\u00e8che \u00e0 l\u2019universit\u00e9, jusqu\u2019\u00e0 25 ans, pour les dommages accidentels caus\u00e9s \u00e0 un tiers. La grande diff\u00e9rence, c\u2019est qu\u2019elle le couvrira aussi pour les dommages qu\u2019il pourrait subir, m\u00eame s\u2019il se blesse lui-m\u00eame. Il sera alors prot\u00e9g\u00e9 lors des activit\u00e9s p\u00e9riscolaires, \u00e0 la cantine et pendant les sorties et voyages scolaires \ud83c\udf92. <\/p>\n\n\n\n

De son c\u00f4t\u00e9, la responsabilit\u00e9 civile<\/strong> pourra couvrir toute personne au-del\u00e0 de 25 ans pour les dommages accidentels caus\u00e9s \u00e0 un tiers mais pas pour les dommages subis. Aussi, il pourra couvrir votre enfant pour les activit\u00e9s p\u00e9riscolaires et la cantine \ud83c\udf7d\ufe0f mais pas pour toutes les sorties organis\u00e9es par son \u00e9cole.<\/p>\n\n\n\n

<\/td>Assurance scolaire<\/td>Responsabilit\u00e9 civile<\/td><\/tr>
\u00c9cole<\/td>\u2705<\/td>\u2705<\/td><\/tr>
Lyc\u00e9e<\/td>\u2705<\/td>\u2705<\/td><\/tr>
Universit\u00e9<\/td>\u2705<\/td>\u2705<\/td><\/tr>
\u00c9tudes<\/td>\u26d4\ufe0f<\/td>\u2705<\/td><\/tr>
Dommages accidentels \u00e0 autrui<\/td>\u2705<\/td>\u2705<\/td><\/tr>
Dommages subis seuls<\/td>\u2705<\/td>\u26d4\ufe0f<\/td><\/tr>
Activit\u00e9s p\u00e9riscolaires<\/td>\u2705<\/td>\u2705<\/td><\/tr>
Cantine<\/td>\u2705<\/td>\u2705<\/td><\/tr>
Sorties scolaires<\/td>\u2705<\/td>\u26d4\ufe0f<\/td><\/tr>
Voyages scolaires<\/td>\u2705<\/td>\u26d4\ufe0f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Vous connaissez d\u00e9sormais l\u2019importance de l\u2019assurance scolaire et vous voulez souscrire ? Rendez-vous sur l\u2019application Leocare pour faire votre devis d\u2019assurance habitation et ajoutez la garantie \u00e0 1,63 \u20ac par enfant et par mois !<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Quand on parle d\u2019assurance scolaire, on entend souvent dire que la responsabilit\u00e9 civile peut la remplacer. Mais ce n\u2019est pas vraiment le cas\u2026 on vous donne les situations dans lesquelles il vaut mieux avoir chacune de ces garanties. \ud83d\ude09 Qu’est-ce que la responsabilit\u00e9 civile ? L’assurance habitation comporte plusieurs garanties, dont l’une est la responsabilit\u00e9 […]<\/p>\n","protected":false},"author":44,"featured_media":17032,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-17041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-habitation"],"acf":[],"yoast_head":"\nAssurance scolaire et RC, quelles diff\u00e9rences ?<\/title>\n<meta name=\"description\" content=\"Comprenez les diff\u00e9rences entre assurance scolaire et responsabilit\u00e9 civile. 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