The #1 insurance comparison tool in Luxembourg
Car, home, health, mortgage, pension, life — compare the cover and premiums offered by Luxembourg insurers (LALUX, Foyer, AXA, Baloise, DKV, CMCM) and find the policy that’s right for you.
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Choose the type of insurance you wish to compare and access the best deals from Luxembourg insurers in July 2026.
The leading insurance companies
Four general insurers (Foyer, LALUX, AXA, Baloise) cover approximately 90% of the non-life market, alongside the health specialist DKV and the CMCM mutual.
Significant price differences between insurers
In Luxembourg, policies are tailor-made and few insurers publish their rates. For equivalent cover, the difference between the most expensive and the best-value offer can be significant. Here are the annual savings typically seen:
| Type of insurance | Potential savings |
|---|---|
| Car | Up to €360 per year |
| Home | Up to €180 per year |
| Supplementary health | Up to €250/year |
| Mortgage insurance | Up to 30% |
| Car + Home | Up to €400/year |
These are indicative estimates. The actual price depends on your profile, the assets insured and the level of cover.
Find the best insurance in 3 steps
It's simple, free and with no commitment.
Choose your insurance
Car, home, health, mortgage, pension or life: choose the comparison tool that suits your needs.
Compare offers
Get an at-a-glance overview of cover, excesses, exclusions and each insurer’s strengths with our summaries.
Request a quote
Click on your chosen offer: a company representative will call you back to discuss a bespoke rate and subscription.
Comparing insurance in Luxembourg: what you need to know
Luxembourg’s insurance market is compact yet distinctive. Policies are highly customisable, few insurers publish their rates, and the rules differ significantly from those in France, Belgium or Germany. An independent comparison service such as Switchr saves you time and helps you make the right choices.
The specifics of the Luxembourg market
- Car insurance: compulsory (third-party liability as a minimum), with a bonus-malus a system unique to Luxembourg (with rates set by Grand Ducal regulation).
- Home insurance: The excess is often €0, unlike in France. It is essential to sign a tenancy agreement.
- Health: the CNS The basic cover reimburses the costs; supplementary cover covers the rest (dental, optical, single room, treatment abroad).
- Tax: Many insurance premiums are tax-deductible (outstanding balance insurance, pension Article 111a, liability, etc.).
- Protection of savings: Life insurance in Luxembourg benefits from the security triangle and super-privilege, which are among the strongest safeguards in Europe.
The sector is supervised by the Commissariat aux Assurances (CAA). If a dispute remains unresolved after 90 days, you can contact the CAA or the Insurance Ombudsman (ACA/ULC) free of charge. See our methodology.
Choosing the right policy (beyond price)
- Scope of cover — read the small print, the extra charges and exclusions, not just the headline price.
- Claims quality — speed of claims handling, 24/7 support, proximity of agents.
- Flexibility and cancellation — in Luxembourg, most policies can be cancelled at the time of annual renewal with 30 days’ notice (Act of 27 July 1997).
- Advantages of multi-policy approaches — Bundling several policies with a single insurer often leads to discounts and tax optimisation.
Compare by requirement: because · home · health · pension savings · life · mortgage, or discover all insurance companies.
Insurance guides for Luxembourg
Everything you need to take out, cancel and optimise your policies in the Grand Duchy.
No-claims and penalty-claims schemes 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 should you do in the event of water damage?
Initial steps, declaration and deadlines to be met.
Read the guide →Deduct your mortgage insurance
Caps, single vs periodic premiums, 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 insurers in Luxembourg.
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