Mainz (dpa/tmn) – It’s enough if the water bottle in the school bag spills: tablets or laptops are sensitive and can quickly be damaged in everyday school life. If the devices, which many schools bought during the corona pandemic, are loaned, the question of liability often arises.
Anna Follmann, insurance expert at the Rhineland-Palatinate consumer advice center (VZRLP), advises parents: ask the school if the rental device is insured. Otherwise, you should check your own insurance or set aside some money in case of an emergency.
Liability does not cover all damage
Parents can, for example, review the contract terms for their household goods insurance and personal liability insurance. Under the VZRLP, some liability fees also cover borrowed items.
But: “Even if liability insurance pays for borrowed items, not all damage is necessarily insured,” says Follmann. According to the consumer advocate, some rates expressly exclude loss.
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According to VZ Rheinland-Pfalz, electronics insurance is usually not worth it. Although the rates insure the devices against many risks, the contributions and excesses are usually very high compared to the real value of the device. Parents can find detailed information about the different types of insurance on the website of the consumer advice center.
© dpa-infocom, dpa:220830-99-566693/2