The #1 insurance comparator in Luxembourg
Car, home, health, mortgage, pension, life — compare the cover and rates of Luxembourg insurers (LALUX, Foyer, AXA, Baloise, DKV, CMCM) and find the policy made for you.
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Choose the type of insurance to compare and access the best offers from Luxembourg insurers in June 2026.
The main insurance companies
Four generalists (Foyer, LALUX, AXA, Baloise) cover ~90% of the non-life market, complemented by health specialist DKV and the CMCM mutual.
Significant price gaps between insurers
In Luxembourg, policies are tailor-made and few insurers display their rates. For equivalent cover, the gap between the most expensive and the best-placed offer can be significant. Here are the annual savings commonly observed:
| Type of insurance | Potential savings |
|---|---|
| Car | Up to €360/year |
| Home | Up to €180/year |
| Supplementary health | Up to €250/year |
| Mortgage insurance | Up to 30% |
| Car + Home | Up to €400/year |
Indicative estimates. The real price depends on your profile, insured assets and cover.
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Car, home, health, mortgage, pension or life: select the comparator that matches your need.
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Analyse cover, excesses, exclusions and each insurer’s strengths at a glance with our summaries.
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Click your chosen offer: a company agent calls you back for a tailored rate and subscription.
Comparing insurance in Luxembourg: what you need to know
Luxembourg’s insurance market is compact but distinctive. Policies are highly customisable, few insurers publish their rates, and the rules differ noticeably from France, Belgium or Germany. An independent comparator like Switchr saves you time and secures your choices.
The specifics of the Luxembourg market
- Car insurance: mandatory (third-party liability at minimum), with a bonus-malus system unique to Luxembourg (scale set by grand-ducal regulation).
- Home insurance: the deductible is often €0, unlike France. Essential to sign a lease.
- Health: the CNS reimburses the base; supplementary cover handles the rest (dental, optical, single room, care abroad).
- Tax: many premiums are deductible (outstanding-balance insurance, pension art. 111bis, liability, etc.).
- Savings protection: Luxembourg life insurance benefits from the security triangle and super-privilege, among the strongest protections in Europe.
The sector is supervised by the Commissariat aux Assurances (CAA). For a dispute unresolved within 90 days, you can contact, free of charge, the CAA or the Insurance Ombudsman (ACA/ULC). See our methodology.
Choosing the right policy (beyond price)
- Breadth of cover — read caps, excesses and exclusions, not just the headline price.
- Claims quality — claims-handling speed, 24/7 assistance, agent proximity.
- Flexibility & cancellation — in Luxembourg, most policies can be cancelled at annual renewal with 30 days’ notice (Law of 27 July 1997).
- Multi-policy advantages — bundling several policies with one insurer often unlocks discounts and tax optimisation.
Compare by need: car · home · health · pension savings · life · mortgage, or discover all insurance companies.
Insurance guides for Luxembourg
Everything you need to subscribe, cancel and optimise your policies in the Grand Duchy.
Bonus-malus in Luxembourg
The 0–22 scale, how to progress and protect your bonus.
Read the guide →Cancel your car insurance
Notice period, annual renewal, template letter and steps.
Read the guide →What to do in case of water damage?
First reflexes, declaration and deadlines to respect.
Read the guide →Deduct your mortgage insurance
Caps, single vs periodic premium, optimisation.
Read the guide →Understanding CNS reimbursements
What the CNS covers and what a supplementary plan tops up.
Read the guide →Foyer, LALUX, AXA, Baloise, DKV, CMCM
The complete guide to Luxembourg insurers.
See the companies →The reference insurance comparator since 2022
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Bonus-malus, art. 111bis, CAA, security triangle… we know the market.
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Moving to Luxembourg?
Some insurance is essential from the very first weeks. Switchr helps you sign the right policies — for free and at the right price.
Expat service →Are you a professional or self-employed?
Professional liability, multi-risk, cyber, mandatory cover… Switchr also compares B2B insurance.