Everything you need to know about car insurance in Luxembourg.
What is the best car insurance in Luxembourg?
▼There is no single best insurer in absolute terms: it depends on your vehicle, profile and the cover you want. Among the four licensed insurers (LALUX, Foyer, AXA, Baloise), our pick is LALUX easyPROTECT Auto for its cover-to-service ratio: three cumulative formulas, Top Assistance with repatriation and, distinctively, no Casco deductible for young drivers. Foyer offers the widest modularity (6 formulas), AXA worldwide travel assistance, and Baloise an already very complete base. Compare cover as much as price.
Which car insurance to choose for a young driver?
▼For a young driver, two criteria matter most: the deductible and bonus-malus. LALUX easyPROTECT Auto applies no Casco deductible when the policy is in a young driver's name, making it a particularly relevant choice. AXA, by contrast, applies a deductible of up to 1,250 € if the licence is under three years and undeclared. Always check the deductible in the particular conditions and favour a formula with assistance.
Is car insurance mandatory in Luxembourg?
▼Yes. Third-party liability (RC) motor insurance is mandatory for any vehicle put into circulation, under the law of 16 April 2003. It covers damage caused to third parties. Mini-Casco and comprehensive cover are optional but strongly recommended. Without a liability certificate, the SNCA will not register the vehicle.
Which companies offer car insurance in Luxembourg?
▼Four companies licensed by the CAA lead the market: LALUX (easyPROTECT Auto), Foyer (mobilé and moov ranges), AXA (OptiDrive) and Baloise (Drive). All offer cover from liability to comprehensive, with different approaches to formulas, deductibles and assistance.
What is the difference between liability, Mini-Casco and comprehensive?
▼Liability covers only the damage you cause to others. Mini-Casco adds theft, fire, glass breakage, natural forces and animal collision. Fully comprehensive cover (full Casco) also covers damage to your own vehicle, including in an at-fault accident.
How does bonus-malus work in Luxembourg?
▼The statutory scale runs from level -3 (maximum bonus) to level 22 (maximum malus). A new driver starts at level 11. Each year without an at-fault accident gains one level; each at-fault accident adds three levels. Bonus-malus is attached to the driver and transferable between insurers via the certificate.
How much does car insurance cost in Luxembourg?
▼As a guide, liability-only often costs €30–50 per month, Mini-Casco €50–70, and comprehensive €70–100 for an average profile. The actual price depends on the vehicle, bonus-malus, age, usage and formula. These ranges are market estimates.
Is there a deductible on car insurance in Luxembourg?
▼It is a Luxembourg particularity: several insurers apply no deductible on vehicle damage (Casco). LALUX, for example, has no Casco deductible when the policy is in a young driver's name. AXA, on the other hand, applies explicit deductibles (e.g. €1,250 if the licence is under 3 years and was not declared). Always check the deductible in the particular conditions.
How do I cancel my car insurance?
▼The contract renews automatically each year. You can cancel with 30 days' notice before the annual renewal, by registered letter. Cancellation is also possible within 60 days of a rate increase, or after a claim. The legal framework is the law of 27 July 1997.
What should I do after an accident in Luxembourg?
▼Complete a European accident statement with the other driver and report the claim to your insurer within 8 days. If there are injuries, call 112. The green card covers around forty countries and simplifies procedures abroad.
Is car insurance tax-deductible?
▼The liability portion and driver cover are deductible as special expenses, up to €672 per person per year (article 111 LIR), a ceiling shared with other insurance. The comprehensive (Casco) portion is not deductible.
