AXA: offers, prices and customer service in June 2026
AXA Luxembourg is one of the Grand Duchy’s main insurance companies, a subsidiary of the global AXA group. Present for more than 150 years (its origins date back to 1853), it combines the power of a global leader with strong local market knowledge, a complete range and customer service in 5 languages. Here’s everything you need to know: positioning, products, customer service, what to do in case of a claim, and our verdict.
Compare AXA with other insurers
Premiums and cover vary widely between insurers. Compare AXA with competing companies based on your profile and real needs.
Overview and positioning of AXA Luxembourg
AXA Luxembourg is the local subsidiary of a global insurance giant. Its strength: the expertise and solidity of a major international group, combined with solutions tailored to Luxembourg’s multilingual and cross-border context.
AXA stands out with several strengths:
- ✓ The solidity of a global leader — a subsidiary of the AXA group, with expertise across all insurance fields and more than 150 years of local presence.
- ✓ A complete range — car, home, health, pension savings, mortgage insurance, and solutions for professionals.
- ✓ A multilingual approach — customer service in 5 languages, suited to Luxembourg’s international context, with 24/7 emergency assistance.
- ✓ Modular products — OptiDrive (car), OptiHome (home), OptiSoins (health), with many customisable options.
The point to watch
AXA premiums can be very attractive on some products, less so on others. Digitally, some local insurers (Foyer, Baloise) offer more advanced online tools. Depending on your profile, a competing company may be more advantageous — that’s what our home, car and health comparators let you check.
AXA insurance products in June 2026
AXA covers the full range, from everyday (car, home) to wealth (health, pension savings, mortgage insurance). As premiums and cover change regularly, find up-to-date offers and the comparison with other insurers on our comparators.
Everyday insurance
- ✓ OptiDrive (car) — new-value compensation in case of accident, material damage covered, driver protected, breakdown assistance. → Compare car
- ✓ OptiHome (home) — flexible cover for common risks, with options (multimedia equipment protection, etc.). → Compare home
Health & wealth
- ✓ OptiSoins (health) — customisable supplementary health: hospitalisation, dental, optical, with 24/7 international assistance. → Compare health
- ✓ MySmartPension — tax-advantaged pension savings (art. 111bis), with a guaranteed-rate option and progressive securing as retirement approaches. → Compare pension savings
- ✓ Outstanding-balance insurance — minimal medical formalities, pre-cover and tax deductions. → Compare mortgage insurance
How to contact AXA Luxembourg customer service?
Customer service is available in 5 languages:
- ✓ General questions — on +352 44 24 24 1 (Monday to Friday, 8am–5pm), or by email at [email protected].
- ✓ Car & home assistance 24/7 — on +352 45 30 55.
- ✓ International health (hospitalisation) — on +352 44 24 24 48 48, and repatriation on +352 44 24 24 46 24.
- ✓ Online, app & agent — the MyAXA area and app, or your AXA agent for any policy question. Complaints: [email protected].
What to do in case of a claim?
In Luxembourg, declaring a claim is governed by the Law of 27 July 1997 on the insurance contract (Article 26): declare the claim as soon as possible and within the deadline set by your policy. The law imposes no single deadline — your policy specifies it.
1. Secure and limit the damage — take reasonable measures to limit the consequences (salvage costs are borne by the insurer). For theft, file a police report.
2. Declare quickly — via the MyAXA area (24/7) or on +352 44 24 24 1; for an emergency, car/home on +352 45 30 55 or international health on +352 44 24 24 48 48.
3. Track the settlement — an expert assesses if needed, then AXA makes a compensation proposal.
Good to know: any action arising from the insurance contract is time-barred after 3 years (5 years for liability). For a dispute, first write to AXA’s complaints department ([email protected]); without a satisfactory reply within 90 days, you can contact, free of charge, the Commissariat aux Assurances (CAA) or the Insurance Ombudsman (ACA/ULC).
The history of AXA Luxembourg
Contrary to popular belief, AXA is one of the country’s oldest insurers. Its origins go back to 1853, with the registration of « La Paternelle »‘s statutes in Luxembourg, followed in 1880 by an « Union » life-insurance agency and in 1922 by the « La Liégeoise » branch. These companies were consolidated several decades later under the AXA brand in 1999.
Driven by its international group, AXA Luxembourg then went through successive transformations: integration of Interlux Assurance Maladie in 2012 (strengthening health expertise), launch of the MyAXA digital platform in 2015, then rollout of teleconsultation and digital services in 2020. AXA Luxembourg remains a subsidiary of the AXA group and continues to develop tailored solutions for the Luxembourg market.
Frequently asked questions — AXA
Is AXA Luxembourg a reliable insurer?
Yes. AXA Luxembourg benefits from the strength of the AXA group, one of the world’s insurance leaders, and more than 150 years of local presence. Its financial stability and complete range make it one of the Grand Duchy’s main insurers.
What services does AXA Luxembourg offer?
AXA offers car insurance (OptiDrive), home (OptiHome), health (OptiSoins), pension savings (MySmartPension), outstanding-balance insurance, plus solutions for professionals and international assistance.
How do I file a claim with AXA Luxembourg?
You can declare online via your MyAXA area (24/7) or by phone on +352 44 24 24 1 (Monday-Friday, 8am-5pm). For an emergency: car/home on +352 45 30 55, international health on +352 44 24 24 48 48. Declare as soon as possible and within the deadline set by your policy.
How does the bonus-malus system work at AXA?
AXA Luxembourg’s bonus-malus follows Luxembourg regulations. Policyholders can benefit from bonus protection after several claim-free years, and new drivers from preferential conditions via dedicated programmes.
How does AXA’s international assistance work?
AXA’s international assistance is available 24/7 and includes medical emergencies, repatriation and technical assistance, with support in several languages. For hospitalisation abroad, contact +352 44 24 24 48 48.
Are AXA’s premiums the cheapest?
It depends on the product: AXA is very competitive on some offers, less on others. To check whether a competing company is more advantageous for your profile, compare up-to-date offers on our insurance comparators.