Electric Car Insurance in Luxembourg: Complete Guide 2026
Insuring an electric car in Luxembourg requires no special policy: standard contracts from all 4 insurers already cover the battery, charging cable and electrical breakdown. AXA offers premium discounts for green vehicles; Baloise includes driver protection (€375,000) in every plan and promotes a dedicated offering for electric vehicle drivers; Foyer offers a specific EV towing option; LALUX covers battery diagnostics and recycling as an add-on. Your home charging point is covered by your home insurance, not your car policy.
Compare all 4 insurers for your electric vehicle
Battery covered, cable insured, breakdown assistance available: get the best personalised quote for your EV in Luxembourg.
Compare car insurance →Electric vehicle insurance: what’s different from a petrol car?
Good news: no special insurance is required for an electric vehicle in Luxembourg. Standard car insurance contracts from all 4 insurers (third-party, Mini Casco, comprehensive) automatically cover electric and plug-in hybrid vehicles. The battery is treated as an integral part of the vehicle, just like a combustion engine.
That said, electric cars have certain characteristics worth bearing in mind when choosing your cover. Here are the key differences to be aware of:
| Element | Petrol vehicle | Electric vehicle | Impact on insurance |
|---|---|---|---|
| Vehicle value | Varies by model | Generally higher | Higher Casco premium (calculated on vehicle value) |
| Battery | — | Makes up a significant share of total price | Included in vehicle value — covered under Casco/Mini Casco |
| Charging cable | — | Essential accessory (€200–800 depending on model) | Covered against theft (AXA: up to €500 on Active mini-casco, €1,000 on Privilège) |
| Breakdown | Running out of fuel | Flat battery | Optional breakdown assistance — towing to nearest charging point (Foyer offers a dedicated EV option) |
| Home charger (wallbox) | — | Fixed installation at home | Covered by home insurance (not car insurance) |
| Premium discount | Standard | Green vehicle discounts possible | AXA offers discounts for hybrid and electric vehicles |
Sources: AXA OptiDrive, Baloise Drive, Foyer mobilé, LALUX easyPROTECT Auto — June 2026.
The battery is included in the vehicle value: contrary to a common misconception, an electric car’s battery is not insured separately. It forms an integral part of the vehicle and its replacement is covered under Casco or Mini Casco in the event of accidental damage (accident, fire, theft). No additional premium or special cover is required from any of the 4 Luxembourg insurers.
EV-specific cover
Standard car insurance policies already cover most risks associated with electric vehicles. Here are the key guarantees to check and compare between insurers.
| Cover | What it includes | Included in | Insurer-specific details |
|---|---|---|---|
| Battery (accidental damage) | Damage following an accident, fire or short circuit, battery theft. Not covered: normal wear, gradual capacity loss. |
Mini Casco or Casco (included at no extra cost) |
All insurers (LALUX, Foyer, AXA, Baloise) |
| Charging cable theft | Theft or deliberate damage to the charging cable. | Mini Casco or Casco | AXA: up to €500 (Active mini-casco) or €1,000 (Privilège). Check conditions with Foyer, LALUX and Baloise. |
| Electrical breakdown assistance | Flat battery on the road, towing to the nearest charging point. | Optional with AXA, Foyer and Baloise · Included with LALUX (Top Assistance) | Foyer: dedicated « EV towing assistance » option. AXA and Baloise: standard breakdown option covering electrical failures. LALUX: Top Assistance included in all contracts (towing from 0 km). |
| Battery diagnostic & recycling | Battery diagnostics, decontamination and recycling after a claim. | Optional | LALUX easyPROTECT: « Special EV & hybrid protection » option available on all plans. |
| Home charging point | Damage to fixed charger (fire, theft, vandalism, natural disaster). | Home insurance (not car insurance) |
AXA: via OptiHome. Check your home insurance with Foyer, LALUX and Baloise. |
| New-for-old value | Compensation based on purchase price for the first few years. | Optional | LALUX: new-for-old for 3 years (option). AXA Privilège: enhanced value cover. Baloise: purchase or assessed value depending on vehicle age (indemnity pack). |
Sources: terms and conditions and product pages of the 4 insurers — June 2026.
Normal battery wear is not covered by insurance. Cover applies only to accidental damage (accident, fire, theft). Gradual capacity loss over time is considered normal wear and falls under the manufacturer’s warranty (typically 8 years / 160,000 km for recent models). If your battery is losing capacity abnormally, contact your dealer, not your insurer.
Do you own an electric vehicle? Compare offers from all 4 insurers and find the right cover for your EV.
Compare car insurance →Comparison of the 4 insurers for electric vehicles
All 4 Luxembourg insurers cover electric vehicles under their standard contracts, but each takes a different approach with different strengths. Here is what you need to know.
| Insurer | EV approach | Main advantage | Points to check |
|---|---|---|---|
|
AXA
EV discounts
|
OptiDrive contracts with discounts for hybrid and electric vehicles. Battery covered under material damage guarantee. | Premium discounts for green vehicles · Cable covered up to €1,000 (Privilège) · Home charger via OptiHome | Breakdown assistance is optional · Request a quote to find out the discount applicable to your vehicle |
|
Baloise
Driver protection included
|
Drive contracts with driver protection (€375,000) included from the Essential plan. Dedicated EV offering highlighted on Baloise’s website. | Driver protection €375,000 included · 24/7 assistance included · Limited mileage option available | Additional cover available via packs (damage, mobility, indemnity) |
|
Foyer
EV towing option
|
Modular mobilé policy. Specific « EV towing assistance » option available exclusively for electric vehicles. | The only insurer with a dedicated EV towing option · Fully modular, customisable contract | Driver protection, assistance and material damage are optional add-ons depending on the plan |
|
LALUX
Battery option
|
easyPROTECT Auto contracts. « Special EV & hybrid protection » option covering battery diagnostics, decontamination and recycling. | Dedicated battery diagnostic & recycling option · Top Assistance included (0 km) · New-for-old 3-year option | EV option available across all plans (Sécurité, Confort, Performance) |
Sources: AXA OptiDrive, Baloise Drive, Foyer mobilé, LALUX easyPROTECT Auto — June 2026.
AXA OptiDrive: discounts for green vehicles
AXA Luxembourg offers premium discounts to customers driving a hybrid or electric vehicle. The battery is covered under the « material damage » guarantee of the OptiDrive policy at no extra cost. The charging cable is reimbursed in the event of theft up to €500 on the Active mini-casco plan and up to €1,000 on the Privilège plan.
Battery covered under material damage
With AXA, the battery is covered against theft or damage under the OptiDrive material damage guarantee. It forms an integral part of the vehicle and is built into the policy’s valuation — no separate cover needed.
Charging cable reimbursed if stolen
AXA explicitly covers charging cable theft: up to €500 on the Active mini-casco plan and up to €1,000 on the Privilège plan — a welcome amount given the cost of fast-charging cables (€400–800).
Breakdown assistance covers electrical failures
AXA’s optional breakdown assistance also applies to electrical breakdowns (flat battery), in the same way as a conventional fuel breakdown. It includes towing to the nearest charging point.
Home charger covered via OptiHome
If you have a fixed charging point at home, it is covered under your AXA OptiHome home insurance policy — not your car insurance. Check that your home insurance covers fixed electrical installations.
Discounts for hybrid and electric vehicles
AXA supports environmentally conscious drivers by offering premium discounts for hybrid and electric vehicles. The exact discount depends on the vehicle and plan chosen — request a personalised quote to see your rate.
Baloise Drive: driver protection included, dedicated EV offering
Baloise offers its car insurance under the Drive brand, available in 2 plans (Essentielle and Intégrale) plus optional add-on packs. Baloise specifically highlights its offering for electric vehicle drivers on its website, with cover tailored to electric mobility.
Baloise’s standout feature: driver protection up to €375,000 is included as standard in every plan, from the entry-level Essentielle — with no extra option to purchase. With other insurers, this cover is typically an optional add-on.
| Plan | Included cover | Best suited for |
|---|---|---|
| Drive Essentielle | Third-party liability · Driver protection €375,000 (included) · 24/7 accident and breakdown assistance · Limited mileage option available | Solid basic cover · Ideal for a used EV or tighter budget |
| Drive Intégrale | All Essentielle cover + Theft · Fire · Glass breakage · Natural events · Animal collision · Material damage (comprehensive) | Maximum protection · Recommended for a new or high-value EV |
| Optional packs | Damage pack · Mobility pack (replacement vehicle up to 60 days, taxi guarantee 2x/year) · Equipment pack · Indemnity pack (purchase value, bonus-malus protection) | Customise to your needs |
Source: Baloise Drive — June 2026.
Baloise and electric vehicles: Baloise features a dedicated offering for electric vehicle drivers within its Drive range on its website. If you drive an EV, be sure to specify your vehicle when requesting a quote to get the best conditions. The included driver protection (€375,000) represents a significant saving compared to other insurers where this cover is an optional extra.
Foyer mobilé: dedicated EV towing option
Foyer stands out with a specific option for electric vehicle owners: « EV towing assistance », available exclusively for EVs. This optional cover is available as an add-on to all standard mobilé plans (Essentiel, Zen, Protection).
| mobilé plan | Standard cover included | Available options (incl. EV) |
|---|---|---|
| Essentiel | Third-party liability only | Legal protection · Assistance · Fire & glass · Driver protection · Breakdown assistance · EV towing assistance |
| Zen | Third-party · Fire · Theft · Glass · Natural events · Animal collision · Joker Mobility | Legal protection · Assistance · Mobility · Driver protection · Breakdown assistance · EV towing assistance |
| Protection | Third-party · Fire · Theft · Glass · Natural events · Animal collision · Material damage · Joker Mobility | Legal protection · Assistance · Mobility · Driver protection · Breakdown assistance · EV towing assistance |
Source: Foyer mobilé IPID 01/2025 — June 2026.
Foyer’s « EV towing assistance » option is a specific guarantee, separate from standard breakdown assistance. It is designed for electric vehicles and provides towing to a charging point when the battery runs flat. Check the exact terms and scope with Foyer when requesting a quote.
LALUX easyPROTECT: battery diagnostic and recycling option
LALUX includes a dedicated section for electric and hybrid vehicles within its easyPROTECT Auto contracts: the « Special EV & hybrid protection » option. Available across all plans (Sécurité, Confort, Performance), it covers battery diagnostics, decontamination and recycling.
| easyPROTECT plan | Standard cover | EV options available |
|---|---|---|
| Sécurité (Mini Casco) |
Third-party · Fire · Theft · Glass · Natural events · Animal collision · Top Assistance | Special EV/hybrid protection (diagnostics, battery recycling) · New-for-old 3 years · Used vehicle purchase value |
| Confort (Casco) |
All Sécurité + Material damage (comprehensive) · Replacement vehicle · Joker Bonus-Malus | Special EV/hybrid protection · New-for-old 3 years · Used vehicle purchase value |
| Performance (Casco premium) |
All Confort + Bonus-malus protection · Extended guarantees · 3 taxi journeys included | Special EV/hybrid protection · New-for-old 3 years · Used vehicle purchase value |
Source: LALUX easyPROTECT Auto — Plans — June 2026.
LALUX Top Assistance included from the start: LALUX’s Top Assistance is included in all easyPROTECT contracts, including towing from 0 km (even from your home). For electric vehicles, this means towing to a garage or charging point is covered regardless of your distance from home.
Home charging point: cover and installation
If you install a fixed charging point at home (wallbox in a garage, courtyard or private parking space), it is covered by your home insurance, not your car insurance. Here is everything you need to know.
| Element | Details | Key points |
|---|---|---|
| Recommended charger type | Fixed 11 kW wallbox Full charge in 5–8 hours depending on the vehicle |
Sufficient for daily overnight charging |
| Installation | Must be carried out by a certified electrician May require upgrading existing electrical installation |
Cost varies depending on complexity of work |
| Luxembourg government subsidy | Financial support available for home charger installation Check Guichet.lu for current conditions |
Significantly reduces installation costs |
| Home charger insurance | Covered by home insurance (not car insurance) AXA: via OptiHome · Foyer, LALUX, Baloise: check your home policy |
Generally included at no extra cost in a standard home insurance contract |
Sources: AXA Luxembourg, Guichet.lu — June 2026.
Steps for installing a home charger: (1) Get a quote from a certified electrician, (2) Check with your home insurer that the charger will be covered, (3) Have the installation carried out, (4) Submit your subsidy application on Guichet.lu with the installation invoice.
For charging away from home, Luxembourg has a growing public charging network with Chargy (standard and fast chargers) and SuperChargy (ultra-rapid charging). Visit chargy.lu to find your nearest charging point.
How to choose your electric vehicle insurance
The right cover depends on your vehicle’s value, how you use it and your priorities. Here is a practical guide by profile.
| Your situation | Recommended plan | Key priorities |
|---|---|---|
| New or recent EV (under 3–4 years old) |
Comprehensive Casco (Intégrale / Confort / Performance) | New-for-old cover · Comprehensive Casco essential · Request comparative quotes from all 4 insurers |
| Used EV (3–8 years old) |
Mini Casco (Sécurité / Active mini-casco / Zen) | Theft, fire and glass cover · Breakdown assistance strongly recommended |
| Older EV (over 8 years, lower value) |
Third-party (Essentielle / Essentiel) | Driver protection essential · Baloise includes it at no extra cost · Breakdown assistance recommended |
| Priority: electrical breakdown (daily commuter, long journeys) |
Any plan + breakdown assistance option | Foyer (dedicated EV towing option) · AXA (breakdown assistance covers electrical failures) · LALUX (Top Assistance included) |
| Priority: driver protection (family, young driver) |
Any plan | Baloise includes it free of charge in all plans (€375,000) — a significant saving compared to other insurers |
| Priority: battery end-of-life | Casco + EV option | LALUX: battery diagnostic, decontamination and recycling option available across all plans |
Switchr recommendations based on analysis of all 4 insurers’ offerings — June 2026.
Our view: all 4 insurers provide solid coverage for electric vehicles in their standard contracts. The real differences lie in specific options (EV towing at Foyer, battery recycling at LALUX), guarantees included at no extra cost (driver protection at Baloise), and the degree of flexibility. Request comparative quotes from several insurers, specifying that your vehicle is electric — premiums vary significantly depending on your profile and the exact model.
Frequently asked questions about electric vehicle insurance
Do I need special insurance for an electric vehicle in Luxembourg?
No. Standard car insurance contracts from all 4 Luxembourg insurers (LALUX, Foyer, AXA, Baloise) automatically cover electric and plug-in hybrid vehicles. The battery is treated as an integral part of the vehicle. Baloise highlights a specific offering for EV drivers within its Drive range, but it is not a separate product. Foyer offers a dedicated « EV towing assistance » option, and LALUX offers a special protection option for EVs and hybrids.
Is the battery covered by car insurance?
Yes. The battery is included in the vehicle value and covered under Mini Casco or Casco in the event of accidental damage: accident, fire, theft or short circuit. No additional premium or special cover is required from any of the 4 Luxembourg insurers. However, normal battery wear (gradual capacity loss over time) is not covered by insurance — it falls under the manufacturer’s warranty.
Is charging cable theft covered?
Generally yes, from Mini Casco level. AXA explicitly covers charging cable theft up to €500 on the Active mini-casco plan and up to €1,000 on the Privilège plan. With Foyer, LALUX and Baloise, theft is covered under Casco/Mini Casco — check the exact limits in your policy wording.
What happens if my battery runs flat on the road?
If you have taken out breakdown assistance cover, your insurer will send a recovery vehicle to tow you to the nearest charging point. Foyer offers a dedicated « EV towing assistance » option. With AXA, the optional breakdown assistance covers electrical failures in the same way as a fuel breakdown. LALUX includes Top Assistance (with 0 km towing) in all easyPROTECT contracts. Without breakdown assistance, towing costs are your responsibility.
Is my home charging point insured?
Yes, but under your home insurance, not your car insurance. Fixed chargers (wallboxes) installed in your garage, courtyard or private parking space form part of your home. With AXA, the charger is covered via OptiHome. With Foyer, LALUX and Baloise, check that your home policy covers fixed electrical installations — this is generally the case with standard home insurance.
Which insurer should I choose for a new electric vehicle?
For a new electric vehicle, opt for comprehensive Casco (Intégrale at Baloise, Performance or Confort at LALUX, Privilège at AXA). Check new-for-old cover availability (LALUX: 3 years as an option; AXA: enhanced value on Privilège; Baloise: via indemnity pack). Request comparative quotes from all 4 insurers — premiums vary significantly depending on your vehicle model and driver profile.
Are there insurance discounts for electric cars in Luxembourg?
AXA explicitly offers discounts for hybrid and electric vehicles (the exact amount depends on the vehicle and plan). Other insurers may also offer favourable conditions — ask when requesting a quote and make clear your vehicle is electric. Compare all 4 insurers on our comparison tool →
Does insurance cover battery wear?
No. Gradual loss of battery capacity over time and with use is considered normal wear and is not covered by car insurance. This falls under the manufacturer’s warranty, which typically covers the battery for 8 years or 160,000 km and guarantees a minimum residual capacity. If your battery is losing capacity abnormally (manufacturing defect), contact your dealer, not your insurer.
Where can I find public charging points in Luxembourg?
Luxembourg has a public charging network with Chargy (standard and fast chargers in public car parks and P+R facilities) and SuperChargy (ultra-rapid charging on main routes). Visit chargy.lu to find your nearest point. To use Chargy stations, you need a contract with a Luxembourg electricity provider (Enovos, BLUEenergy, Leo, etc.) who will issue you an access card.