Insurance
Student liability insurance: protected from the moment you suscribe
What is Smerra student liability insurance?
Student civil liability insurance is the insurance that saves you from hassle. If you break something, injure someone, or cause damage to someone else, it covers you. Mandatory for enrollment in college or graduate school, Smerra’s individual civil liability and accident insurance protects you everywhere from €16/year.
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Insurance valid for your internships
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No deductible on civil liability
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Civil liability valid abroad
Smerra packages and rates tailored to students
Two student liability insurance policies tailored to students. All you have to do is choose the option you prefer!
Your warranties |
IndispensableCivil liability insurance: essential for your student life. €16 /year |
SécuritéThe comprehensive option with digital risk coverage included. €28 /year |
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Tailor-made insurance for students' needs : internet risks
Not included*
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Tailor-made insurance for students' needs : internet risks
You are covered in the event of disputes arising from the purchase of goods for private consumption, in the event of identity theft, and for your online reputation.
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| Get insured online | Get insured online |
All legal documents about our packages
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Student rates
Affordable student liability insurance - that's what we want! -
Zero deductible on civil liability insurance
No deductible on civil liability damages, in France or abroad. -
50 years of student experience
We have been insuring students for over 50 years. We know all about the struggles students face... and we support you every step of the way. -
Compliant with schools and internships
Certificate recognized by universities, schools, and companies: ready to enroll. -
Fast subscription
In just 2 minutes, you'll be covered by civil liability insurance (your certificate is available directly in your personal account).
Offers you won’t want to miss!
Solidarité Exam Insurance
The insurance that saves your exams
€5,000 in financial aid if you fail your exams due to unforeseen circumstances!
Tonic Études
The great student deal
Over €355 in reimbursements for your student life: osteopathy, evening taxi rides, fruit and vegetables, condoms, menstrual protection, etc.
Is student liability insurance mandatory?
Yes, student liability insurance is mandatory. Your school will ask you for proof of insurance to finalize your enrollment. It covers you all year round, whether during classes, internships (up to 6 months), or student activities.
And the good news is that you’re also covered when babysitting!
All the answers to your questions
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Certain types of damage are not covered by personal liability insurance. You can find the complete list in the Smerra student liability insurance information sheet and in the insurer’s general terms and conditions.
In particular, the following are not covered:
- damage related to professional sports, or amateur sports if they involve motorized vehicles;
- damage caused while practicing sports considered to be high-risk, such as: mountaineering, bobsleigh, boxing, horse riding, American football, scuba diving, polo, bungee jumping, caving, combat sports, yachting (sailboats over 5.10 m), nautical or sporting competitions, and all air sports.
Furthermore, the legal defense coverage does not cover disputes related to a professional activity or internship, whether paid or unpaid.
For a complete list of exclusions, please refer to the general terms and conditions of your Smerra personal liability insurance.
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School insurance covers students from elementary school to high school, only for activities related to school life (travel, classes, outings, extracurricular activities).
Personal liability insurance for students is mandatory for enrollment in university, school, or BTS programs. It protects you all year round, both during your studies, your internships (up to 6 months) and your daily life.
In summary:
- School insurance = children and middle school students, coverage limited to school activities.
- Student civil liability = students, coverage extended to everyday life and required by educational institutions.
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The price of student liability insurance depends on the plan and the coverage included, but it remains very affordable. At Smerra, it is available from just €16/year.
This rate includes the personal liability coverage required for enrollment in your institution (school, university, BTS) and also covers your internships for up to 6 months, as well as your daily life (damage to others, babysitting, student activities, etc.).
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No stress: with Smerra, your civil liability insurance is automatically renewed each year (by tacit agreement).
This means you remain protected without interruption, whether for your classes, internships, or everyday life.
No paperwork to fill out, no gaps in coverage: everything is done automatically, so you’re always covered when the new school year starts!
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Personal liability insurance may be included in your student home insurance. Before taking out a new insurance policy, remember to check the coverage already included in your contract. If civil liability (RC) is included in your contract, consult the details of the conditions to find out when and how you are covered.
Be careful not to confuse personal liability with tenant liability.
- Tenant liability covers you in the event of damage to your home (for example, a water leak at your neighbor’s house).
- However, it does not protect you at your school, university, or internship. For this, you need to have specific student liability insurance.
Smerra offers affordable personal liability insurance to cover you in your student life.
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