Car Insurance Claim in Luxembourg: Report Within 8 Days, European Accident Form, Compensation 2026
A car insurance claim covers any accidental event included in your policy: accident, theft, fire, glass breakage or natural disaster damage. In Luxembourg, you have a maximum of 8 days to report a claim to your insurer (2 days in the event of theft). The process rests on three pillars: securing the scene, completing the European Accident Statement with the other driver, and filing the claim via your insurer’s mobile app, your agent, or by post. Compensation depends on your cover level (third-party, Mini Casco/Sécurité, fully comprehensive/Casco), your degree of fault, and your bonus-malus rating. Since 01/01/2026, proof of insurance may be presented in digital form. This guide walks you through what to do after an accident in Luxembourg, step by step.
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Compare car insurance →The 6 immediate actions at the accident scene
An accident is always stressful. Here are the 6 essential actions to take immediately at the scene, in order of priority.
SAFETY: Secure the scene and protect people
Switch on your hazard lights immediately. Pull over to the roadside if the vehicle is driveable, to clear the traffic lane. Place the warning triangle 30–50 metres behind the vehicle. Put on your high-visibility vest before getting out (mandatory in Luxembourg). On a motorway or fast road: stay behind the crash barrier. Do not approach a burning vehicle (risk of explosion).
INJURIES: Call emergency services if needed
Dial 112 (European emergency number) if anyone is injured, unconscious or in a serious condition. Never move an injured person unless there is immediate danger (fire, explosion). Cover them if possible and talk to them calmly. Call the police (113) if: there are injuries, there is a dispute over liability, the other driver has fled, there is damage to public infrastructure, or traffic is disrupted.
EVIDENCE: Gather information immediately
Note or photograph the other vehicle’s registration plate as a priority (risk of the driver leaving). Take photos: damage to all vehicles (from 4 angles), vehicle positions, skid marks, road signs, weather and lighting conditions. Collect witness details (full name, phone number, address). Note the exact time, road surface and visibility conditions.
STATEMENT: Complete it on the spot with the other driver
Always keep a blank accident statement form in the glove box. Fill it in at the scene with the other driver (14 sections). Use a ballpoint pen and press firmly so both copies are legible. Never sign a blank or incomplete form. If there is a dispute, complete your section and note your objection in section 14 « Observations ». Each driver keeps one copy.
INSURANCE: Contact your insurer
Call your insurer as soon as the scene is safe to receive instructions and, if needed, activate assistance (breakdown, towing, replacement vehicle). Contact options: LALUX: +352 47 61 1 or easyAPP · Foyer: your agent or myFoyer · AXA: +352 44 24 24 1 or MyAXA · Baloise: your agent or myBaloise.
DOCUMENTS: Check mandatory paperwork
Since 01/01/2026, proof of insurance may be presented in digital format (via your insurer’s smartphone app) or on paper. The 3 mandatory documents are: proof of insurance, vehicle registration certificate, valid driving licence. Ask the other driver to show theirs and verify their identity.
When to call the police (113)? The police must be called in 5 situations: (1) serious injuries or unconscious persons, (2) dispute over liability (conflicting accounts), (3) hit-and-run (the other driver left without completing the form), (4) damage to public infrastructure (signs, crash barriers, street lighting), (5) traffic disruption. The police will produce an official report that carries weight with insurers. For a straightforward material accident with no injuries and agreed liability, the accident statement alone is sufficient.
Completing the European Accident Statement: a guide to the 14 sections
The European Accident Statement is the key document for establishing liability. It contains 14 sections that must be completed accurately. Here is how to fill it in correctly to protect your right to compensation.
Document structure: the form has 2 carbon-copy sheets — one for each driver. Sections 1 to 11 are shared between both vehicles. Section 12 « Circumstances » is central: each driver ticks the boxes that describe their own behaviour. Sections 13 (sketch) and 14 (observations) are shared. The form is divided into Vehicle A (left column) and Vehicle B (right column). Use a ballpoint pen and press firmly to ensure both copies are legible.
| Section | What to fill in | Practical tips |
|---|---|---|
| 1. Date and time | Date of accident (DD/MM/YYYY) and exact time (HH:MM) | Check time on smartphone · Important for witness accounts |
| 2. Location | Country, town, precise street. If a junction: names of both streets | Be very precise · Include street number · Use GPS if unsure |
| 3. Injuries | Tick YES or NO — even for minor injuries | Declare any injury, however minor · Symptoms may appear later |
| 4. Other material damage | Damage beyond the vehicles involved: third-party vehicles, signs, fences, buildings | List all third-party damage · Take photos |
| 5. Witnesses | Full name, address and phone number of each witness | At least one witness if possible · Passengers also count |
| 6. Policyholder A and B | Name, address, phone, email · Insurer, policy number, certificate validity | Verify identity with an official document · Digital certificate accepted since 01/01/2026 |
| 7. Vehicle A and B | Make, model, registration plate | Note or photograph the plate first (risk of driver leaving) |
| 8. Insurer | Company name, policy number, certificate validity dates | Check validity dates · If expired: flag this to police if present |
| 9. Driver A and B | Name, date of birth, address · Licence number, category, expiry | If driver differs from policyholder: distinguish clearly · Check licence is valid |
| 10. Initial point of impact | Mark the impact point on the vehicle diagram (front, rear, side) | Show direction of impact with an arrow · Must be consistent with section 12 |
| 11. Visible damage | List all damage to your vehicle thoroughly | Be exhaustive, even for minor scratches · E.g. « Scratch on rear right door » |
| 12. Circumstances | KEY SECTION — tick boxes describing your vehicle’s behaviour. Vehicle A: left column · Vehicle B: right column. Count total boxes ticked. | Only tick boxes that are true for your vehicle · E.g. « Moving », « Changing lanes », « Failing to give way » · Determines liability percentages |
| 13. Sketch | Draw the scene: vehicle positions, trajectories, road markings and signs | Keep it simple but accurate · Show arrows, stop signs, solid or broken lines |
| 14. Observations | Any relevant comments, disputes or additional information | If in dispute: write « I contest the other party’s account » and add your version |
Mistakes you must never make: (1) Never sign a blank or incomplete form — you would be admitting full liability you may not have. (2) Never write « I accept responsibility » — liability is determined by insurers via section 12, not by you. (3) Do not overlook section 12 « Circumstances » — it determines the liability percentages. (4) Do not sign without reading the whole document — check every section filled in by the other driver before signing. (5) Never accept a cash settlement « to avoid the insurance » — this is often a scam; always file a claim.
Filing a claim with your insurer: 3 channels
Once the accident statement has been completed and signed, you must file your claim with your insurer within the legal deadline. Three channels are available.
| Channel | Process | Processing time | Documents required |
|---|---|---|---|
| Mobile app Recommended |
LALUX: easyAPP → Claims → New Foyer: myFoyer → File a claim AXA: MyAXA → Claims → File Baloise: myBaloise → Claim Complete the online form · Attach photos (damage, scanned statement) · Available 24/7 |
Immediate Automatic acknowledgement Processing within 24–48h |
Signed statement Photos of damage Proof of insurance Vehicle registration |
| Via your agent |
Appointment or branch visit Agent completes the declaration with you Personal advice · Direct submission to insurer |
24–48h Subject to availability |
Original statement Vehicle documents Photos if available |
| By post or email |
Send signed statement + covering letter LALUX: via client portal or your agent Foyer: via your agent or client portal AXA: via MyAXA client portal Baloise: via your agent or myBaloise |
3–5 working days | Original statement Covering letter Document copies Photos |
Documents to attach every time: (1) signed accident statement (your copy), (2) multiple photos of damage to all vehicles (minimum 4 angles), vehicle positions, marks on the road and road signs, (3) vehicle registration certificate, (4) proof of insurance, (5) copy of driving licence, (6) witness details if present, (7) police report if officers attended, (8) in case of theft: police complaint receipt (mandatory). The more information you submit from the outset, the faster your claim will be processed.
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Compare car insurance →Reporting deadlines by claim type
In Luxembourg, reporting deadlines are set by law. Meeting them is essential: an unjustified delay may result in loss of cover and refusal of compensation.
| Claim type | Reporting deadline | Starting point | Consequences of delay |
|---|---|---|---|
| Material accident (collision, bump) | 8 days (calendar days) | From the moment you become aware of the incident | Loss of cover if prejudicial to the insurer |
| Theft or attempted theft | 2 days (calendar days) | From the moment theft is discovered | Refusal of compensation if delay is unjustified |
| Glass breakage | 8 days | From the moment damage is discovered | Possible loss of cover |
| Fire | 8 days | From the incident | Possible loss of cover |
| Natural events (hail, storm, flood) | 8 days | From the moment damage is discovered | Possible loss of cover |
Legal reporting deadlines in Luxembourg — June 2026.
When does the deadline start? The clock starts from the moment you become aware of the incident, not from when it occurred. Example: if your vehicle is stolen over a weekend and you notice it on Monday morning, the 2-day deadline starts on Monday. If the delay is justified (hospitalisation, force majeure), contact your insurer as soon as possible with supporting documentation. The insurer may accept a late declaration if good faith can be demonstrated.
How compensation works
Compensation depends on 2 main factors: your degree of liability (determined by insurers via section 12 of the accident statement) and your level of cover (third-party, Mini Casco/Sécurité, or fully comprehensive/Casco). A notable feature of Luxembourg car insurance is that policies generally carry no excess, which is particularly favourable to policyholders.
Determining liability (1 to 4 weeks)
Both insurers analyse section 12 « Circumstances » of the accident statement and apply the European liability scale (the ticked boxes determine liability percentages). Three possible outcomes: (A) you are not at fault (other driver 100% liable), (B) shared liability (50/50, 60/40, etc.), or (C) you are 100% at fault. If insurers disagree, an independent expert assessment is commissioned. Average timeframe: 2 to 4 weeks depending on complexity.
Vehicle assessment (for significant damage)
For substantial damage, the insurer appoints an automotive expert who inspects the vehicle, assesses the damage and estimates repair costs. The expert report is produced within 1 to 2 weeks. If the repair cost exceeds the vehicle’s value: total economic loss → compensation based on market value (or replacement value if this option was taken out). Otherwise, repair at an approved garage.
Compensation based on liability and cover
If you are 100% at fault: with third-party cover = £0 for your own damage (only third-party damage is covered) · with Sécurité (LALUX) / Silver (Foyer moov) = theft, fire and glass cover included, but not collision damage · with Confort (LALUX) / Gold (Foyer moov) / Privilège (AXA) = all your damage covered. If the other driver is 100% at fault: their insurer covers your damage in full, regardless of your cover level.
Payment of compensation (2 to 8 weeks)
If your insurer has approved partner garages, payment is made directly to the garage (no upfront costs for you). If you choose a non-partner garage: you pay first and are reimbursed afterwards. For a total loss: transfer of the market value (or replacement value if the option was taken out) within 2 to 4 weeks of agreement. Average total timeframe: 4 to 8 weeks for a straightforward claim, 8 to 12 weeks for a complex case (expert assessment, dispute).
| Situation | Third-party cover | Sécurité / Silver | Confort / Gold / Privilège |
|---|---|---|---|
| Accident — 100% at fault | ❌ €0 for your own damage (third-party damage covered) |
❌ Collision damage not covered ✅ Theft / fire / glass |
✅ All your damage covered |
| Accident — not at fault | ✅ Other party’s insurer covers your damage in full | ✅ Other party’s insurer covers your damage in full | ✅ Other party’s insurer covers your damage in full |
| Vehicle theft | ❌ Not covered | ✅ Market value (replacement value if option taken) |
✅ Market value (replacement value if option taken) |
| Glass breakage | ❌ Not covered | ✅ Repair or replacement | ✅ Repair or replacement |
| Fire | ❌ Not covered | ✅ Market value | ✅ Market value |
Compensation by cover level — based on product information documents (IPID) from LALUX easyPROTECT Auto, Foyer moov, AXA OptiDrive, Baloise Drive — June 2026.
Types of car claims covered
Collision accident
Impact with another vehicle, pedestrian, cyclist or street furniture. Covered by your Casco insurance if you are at fault; by the other driver’s liability insurance if you are not at fault.
Fire and explosion
Vehicle fire, electrical fault, lightning strike. Covered by policies including fire cover (Sécurité/Silver and above). With LALUX, electrical short circuits are covered under the fire guarantee.
Theft or attempted theft
Full vehicle theft, attempted break-in, carjacking, home-jacking. A police complaint must be filed before notifying your insurer. Reporting deadline: 2 days. Covered from Sécurité/Silver level upwards.
Glass breakage
Windscreen, side windows, rear window, sunroofs, headlights and lights (including xenon with LALUX). Covered from Sécurité/Silver level. With LALUX, glass cover also includes collision with stray animals and natural events.
Natural events
Hail, storm, flooding, falling rocks, landslide. Covered from Sécurité/Silver level. With Foyer mobilé (Clima package), natural events are included as standard.
Animal collision
Wild boar, deer, cattle, horses and other stray animals. Covered from Sécurité/Silver level (under glass cover with LALUX, or separately with Foyer and Baloise). Damage caused by martens and weasels is covered under the Confort package with LALUX.
Vandalism and malicious acts
Deliberate scratches, tyre slashing, intentional glass damage. Generally covered under Confort/Gold and higher packages. A police complaint is required. Check your specific policy terms with your insurer.
Personal injury
Third-party injuries (passengers, pedestrians) covered by mandatory liability insurance. Injuries to the at-fault driver require the driver protection option (available with LALUX, Foyer, AXA and Baloise). Without this option, the at-fault driver is not covered for their own bodily injuries.
7 mistakes you must avoid
Leaving the scene without providing your details (hit-and-run)
Leaving the scene without exchanging details is a criminal offence punishable by fines, licence suspension and imprisonment. Even for a minor car park scrape: always leave your contact details or a note on the vehicle.
Signing a blank or incomplete accident statement
By signing an incomplete form, you could be held 100% liable. Read every section carefully and check that sections 10, 11, 12 and 13 are consistent before signing.
Accepting a cash settlement « to avoid the insurance »
A risky practice: the amount offered is often undervalued, you have no proof if complications arise later, and hidden damage can emerge afterwards. Always file a claim, even for minor incidents.
Failing to take photos at the scene
Skid marks and vehicle positions disappear within minutes, making it impossible to accurately reconstruct events afterwards. Take at least 10 to 15 photos from all angles, including road signs and weather conditions.
Having the vehicle repaired without your insurer’s prior approval
Compensation may be reduced or refused if you arrange repairs without prior agreement. Always contact your insurer before taking the vehicle to a garage. Exception: urgent repairs essential for safety.
Waiting until the last day to file your claim
A technical problem (app unavailable, agent unreachable, email rejected) could push you past the legal deadline. Ideally, file your claim within 24 to 48 hours of the incident, as soon as the statement is complete.
Not reporting a « minor » incident
Structural damage (chassis, bodywork) can emerge afterwards. If the other driver files a claim, you will be implicated without having submitted your version. Always report; your insurer will then assess whether compensation is appropriate.
Impact on your bonus-malus
An at-fault claim affects your liability bonus-malus, which is regulated by the CAA (scale from −3 to 22). Here are the rules in force in Luxembourg.
| Situation | Impact on liability bonus-malus | Effect on premium |
|---|---|---|
| Claim — 100% at fault | +3 malus levels | Premium increase for 3 years |
| Claim — not at fault | No impact · Bonus preserved | No increase |
| Shared liability | Variable impact depending on degree of fault and policy terms | Possible increase |
| Glass breakage only | Generally no impact (depends on insurer and package) |
Usually nil |
| Vehicle theft | No impact | No increase |
Bonus-malus protection: several insurers offer a bonus protection option for material damage claims (Casco bonus-malus, separate from the liability scale). With LALUX, the Performance package includes a clause whereby a claim with no civil liability on the part of the policyholder does not affect the bonus-malus relating to vehicle damage cover. With Baloise, material damage bonus protection is available as an add-on. Check the exact terms with your insurer. → Full bonus-malus guide for Luxembourg
Dispute procedures if you disagree with your insurer
If you are not satisfied with your insurer’s decision regarding compensation or the allocation of liability, several avenues for recourse are available.
Internal complaint to your insurer
Send a registered letter to your insurer’s complaints department. Clearly set out the grounds for your complaint and attach all available evidence (photos, witness statements, police report). Typical response time: 30 to 45 days.
Mediation via the ACA
Contact the mediation service of the ACA (Association des Compagnies d’Assurances et des Fonds de Pension) via aca.lu. The mediation service is free, confidential and non-binding. Processing time: 3 to 6 months.
Complaint to the Commissariat aux Assurances (CAA)
Contact the CAA if you suspect an abusive commercial practice or regulatory breach by your insurer. The CAA is Luxembourg’s insurance supervisory authority. Website: caa.lu.
Legal action
As a last resort, a civil action before the competent court. A lawyer specialising in insurance law is strongly recommended. Processing time: 12 to 24 months. Court fees should be anticipated.
Frequently asked questions about car insurance claims
What is the deadline for reporting a car insurance claim in Luxembourg?
A maximum of 8 days for a standard car claim (accident, glass breakage, fire, natural event), from the moment you become aware of the incident. A maximum of 2 days in the event of theft or attempted theft. These deadlines are set by Luxembourg law and your general policy conditions: an unjustified delay may result in loss of cover. In the event of hospitalisation or force majeure, contact your insurer as soon as possible with appropriate documentation.
What should I do immediately after a car accident?
In order: (1) Secure the scene: hazard lights on, pull over if possible, warning triangle at 30–50m, high-visibility vest mandatory, (2) Emergency services: dial 112 if anyone is injured, (3) Police (113): if there are injuries, a dispute, a hit-and-run, infrastructure damage or traffic disruption, (4) Photos: damage to all vehicles (minimum 4 angles), positions, marks on the road, signs, weather conditions, (5) Accident statement: complete all 14 sections on the spot with the other driver, using a ballpoint pen, (6) Insurer: call as soon as the scene is safe. Note the other vehicle’s registration plate first.
How do I fill in the accident statement correctly?
The form has 14 sections. The most important are: section 6 (driver identity — verify with official ID), section 10 (initial point of impact), section 11 (visible damage — list everything), section 12 « Circumstances » (decisive for liability — only tick boxes that describe your own vehicle’s behaviour), section 13 (precise sketch), section 14 (observations — note any dispute). Use a ballpoint pen, complete the form on the spot, and never sign a blank or incomplete document. Each driver keeps one copy.
Can I show my insurance certificate on my smartphone?
Yes, since 01/01/2026 in Luxembourg, your car insurance certificate may be presented in digital format (smartphone or tablet) via your insurer’s app (easyAPP for LALUX, myFoyer, MyAXA, myBaloise). The paper certificate remains valid as well. The police and other drivers are required to accept the digital version. Make sure your battery is sufficiently charged and that you can easily access the document in your app.
Am I compensated if I am at fault for the accident?
This depends entirely on your level of cover. With third-party insurance: your own damage is not covered if you are at fault (only damage to third parties is covered). With policies including material damage cover (LALUX Confort, Foyer moov Gold, AXA Privilège, Baloise Drive with damage pack): all your damage is covered, even if you are 100% at fault. An at-fault claim also results in a +3 malus levels on your liability bonus-malus.
What if the other driver refuses to complete the accident statement?
Call the police immediately (113). Photograph their registration plate as a priority. Take as many photos as possible: damage, positions, marks, road signs. Collect witness details. Complete your section of the form alone and note in section 14: « The other driver refused to complete the statement — police called. » The police report will carry weight with insurers. File your claim with your insurer using the police report and your photos. Refusing to complete the form creates a presumption of liability against the other driver.
How long does it take to receive compensation?
The average timeframe is 4 to 8 weeks for a straightforward claim, and 8 to 12 weeks for a complex case. The process involves several stages: (1) liability determination by insurers via the statement (1 to 4 weeks), (2) vehicle assessment if required (1 to 2 weeks), (3) compensation approval (1 to 2 weeks), (4) direct payment to a partner garage or transfer to your account (1 to 2 weeks). In the event of a liability dispute, an independent expert assessment can add a further 4 to 8 weeks to the process.
Can I have my vehicle repaired at a garage of my choice?
Yes, you have free choice of garage. However, insurers have approved partner garages that offer several advantages: direct payment by the insurer (no upfront costs), full administrative handling and guaranteed repair quality. If you choose a non-partner garage, you will generally need to pay first and then be reimbursed. Important: always contact your insurer and obtain their approval before taking the vehicle to a garage. With Foyer moov, all repairs must be carried out at a partner garage.
What should I do if my vehicle is stolen?
Four steps: (1) File a police report immediately (at a police station or by calling 113) — this is a mandatory condition for receiving compensation. Obtain the complaint receipt. (2) Report the theft to your insurer within 2 days (strict legal deadline). (3) Provide: the complaint receipt, the vehicle registration certificate and the vehicle keys if possible. (4) The insurer generally applies a waiting period before processing. If the vehicle is not recovered, you will be compensated based on the market value, or replacement value if this option was taken out. Theft has no impact on your liability bonus-malus.
Should I report a minor incident?
Yes, it is always advisable to report it, even for minor damage. The reasons: structural damage may emerge later, the other driver may file a claim independently, and you have a contractual obligation to report all incidents. That said, for a low-value claim where you are at fault, it may be more cost-effective to cover the repairs yourself rather than take the bonus-malus hit. Ask your insurer for advice before deciding: they will tell you the most advantageous option given your situation and current bonus-malus level.