Why take out liability insurance to study abroad?

Why take out liability insurance to study abroad?


Has Philippe Labro's Foreign Student marked your mind, do you dream of living your own version of L’Auberge Espagnol or do you want to add a new experience to your CV? Whatever the reason for your motivation, you have chosen, like more and more young French people (more than 90,000 each year), to carry out part of your course outside the French borders. To make this adventure as rewarding as you imagine it to be, don't forget to put the odds in your favor by leaving protected.

Consider taking out student liability insurance to be covered during your studies and / or your internship abroad. This is an essential precaution to take whether you are going under the Erasmus program, for a language stay abroad or with another organization.

What is liability insurance?

According to the Civil Code, everyone has a legal obligation to make reparation for the wrongs caused by their fault or recklessness to another individual. This is called Third Party Liability (Liability). The Civil Liability guarantee, offered in insurance contracts, is precisely intended to cover the financial consequences if your liability is incurred for damage (bodily, material or immaterial) that you, things or animals in your care. , can cause to third parties.

It is a particularly important guarantee in everyday life but also when traveling or studying abroad ... where no one is safe from an incident which can then take on monstrous proportions. .

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Do I Really Need Foreign Student Liability Insurance?

Ah if only your precious "student card" could, in addition to opening the doors of prestigious campuses around the world, protect you in the event of unforeseen events outside our borders ... Unfortunately this is not the case. Far from home, we can strangely feel invincible even though we are vulnerable. In addition to the health concerns and accidents that anyone can encounter while studying abroad, but which are generally covered if one has taken out adequate student insurance, one can unwillingly find oneself liable for harm caused to others.

Did the cat you adopted to keep you company during your master's degree in Barcelona dropped a flowerpot on the head of another student? During your sprint to get on the New York subway and arrive on time for your lessons, did you run into a lady whose smartphone crashed into a thousand pieces on the platform? Is your capoeira partner whose nose you accidentally broke during a class at the University of São Paulo is suing you?

You didn't do it on purpose, that's true. But you will still have to face the consequences since the civil liability falls on you. Without student liability insurance abroad, you risk getting into debt to compensate the victim (especially in some countries, especially in the United States where we are very litigious) and this, even before having started your first job. ! In addition, without this guarantee which protects and accompanies you, you will be alone to face a foreign health system and / or legal system and in a language that you do not necessarily master.

This is why it is important, even when one is carefree with youth, to provide for the management of the unforeseeable by taking out a contract with a civil liability guarantee abroad. She will cover you and assist you in case of any problem throughout your stay.

Did you know ? Most universities or companies that host foreign students or interns require that they provide a civil liability insurance certificate before accepting them.
Why choose AXA student liability insurance coverage?

Included in formula 2 (from € 60) of our Latitude Student Travel Insurance, our civil liability cover for private life abroad offers complete coverage to have peace of mind throughout your course outside France (from 1 to 12 months). It offers :

very high financial coverage: if you accidentally cause bodily, material or immaterial damage to others, we cover the financial consequences (up to 4,500,000 euros) for which you are responsible
assistance and taken