The main insurance companies in Luxembourg

About car and home insurance companies in Luxembourg

Who are the main insurers in Luxembourg?

There are four main insurance companies in Luxembourg: AXA, Bâloise Insurance, Foyer Insurance and LaLux. These insurers share the market for car, home, health, travel and life insurance. Some of them also offer bank-like products, such as pension plans or car loans. Other insurers not listed here also operate in the Luxembourg market.

Which insurance companies to choose?

In Luxembourg, insurers offer fairly similar cover for car and home insurance. If they cover the essential risks more or less well, they can be distinguished by 3 factors:

1. The level of cover offered: While most insurance policies cover the essential risks of everyday life, some do not offer cover against natural disasters or theft, for example. It is therefore important to compare the guarantees included in each contract before making a choice.
2. The benefits included in the insurance : Some contracts offer additional guarantees, such as worldwide protection of personal belongings, travel insurance, reimbursement of garden furniture in the event of a claim, or replacement of equipment in the event of damage to electronic devices.
3. The price : This can sometimes be as much as double for relatively similar cover. For this reason, we strongly advise you to ask for several insurance quotes before making your choice.

To find out which companies to ask for a personalised quote, you can start by comparing the coverages of our policy selections auto and housing on this site.

The insurance companies compared on this site are essential in Luxembourg. You can find them, with details of their offers, on this page.

What are the criteria for finding the best insurance?

Are you hesitating between several insurances? If so, make sure you analyse the cover, protection and guarantees for each of them. You can compare :

1. Coverage against the essential risks of everyday life: are they all present? Here is an example of the essential risks that are recommended to be insured: fire, natural disasters, water damage, theft and vandalism for home insurance. For thecar insuranceThis includes, for example, the risks of accidents, breakdowns, fire, theft and vandalism, natural events, glass breakage, animal strikes, etc.
2. The benefits: Does the insurance offer any cover that sets it apart from others? This could be a Joker Taxi or a replacement vehicle.
3. Paying options: Some options may be worthwhile, such as full family legal protection, or replacement value in the event of a claim on your furniture or appliances, for example. Take the time to look at the options in each policy: some may change your mind.

Frequently Asked Questions (FAQ)