Luxembourg has four licensed car insurers — LALUX, Foyer, AXA and Baloise — all regulated by the Commissariat aux Assurances (CAA). For full Casco, LALUX easyPROTECT Performance is a strong choice thanks to no deductible, included bonus protection, and a free bonus reset after three claim-free years. For entry-level coverage, Baloise Drive Essentielle stands out as the only base plan that includes driver personal accident cover and breakdown assistance. AXA OptiDrive is the natural fit for low-mileage drivers through its per-kilometre pricing option, while Foyer mobilé remains the most modular product line.
All four insurers offer Casco contracts with no standard deductible — a structural advantage over French and Belgian policies. The third-party RC premium is partially tax-deductible up to €672 per fiscal household member per year under Article 111 of the Luxembourg Income Tax Law (LIR).
Your Profile, Your Recommendation
Seven driver profiles, one clear recommendation each — with the specific formula name so you can walk into the agency knowing exactly what to ask for.
Just arrived, no Luxembourg history
Start with LALUX easyPROTECT Confort if you want a balanced first policy: it includes Mini Casco guarantees as standard, alongside 24/7 Top Assistance. Bring your foreign bonus-malus attestation — all four insurers accept them. If your priority is to keep the budget tight in your first year, Baloise Drive Essentielle is also worth a quote, since it includes driver protection and breakdown assistance in the base plan.
Licence under 2 years, starting at degree 11
Foyer moov Silver packs the most guarantees in its base tier (fire, theft, glass and natural forces all included) and is positioned as a cost-optimised option for young drivers — but note that moov requires repairs at a Foyer partner garage. If garage flexibility matters more, request a LALUX easyPROTECT Confort quote alongside.
14+ claim-free years, maximum bonus
At degree -3 you pay only 45% of the RC base premium, so your policy is already inexpensive. LALUX easyPROTECT Performance adds bonus protection and a free Joker that auto-resets every three claim-free years, helping preserve that bonus over the long run. AXA OptiDrive Privilège is a strong alternative with 36-month new-value reimbursement and a Joker Taxi included in every plan.
Remote worker or occasional driver
AXA OptiDrive Active + Mini Casco with the per-kilometre option is well suited to low-mileage drivers — declared-mileage pricing brackets (5,000 or 7,000 km/year) reduce premiums without requiring a telematics device. Baloise Drive also offers a limited-mileage option, so it is worth requesting both quotes for a like-for-like comparison.
Lives in France, Belgium or Germany — works in Luxembourg
Baloise Drive Essentielle + Pack Dommage is well suited to cross-border commuters: driver personal accident protection and 24/7 assistance are included in the base plan, which is useful for anyone spending significant time on motorways. The Carte Verte covers the entire EU/EEA zone. For a recent vehicle, the Intégrale tier with full Casco is the natural upgrade.
Car worth under €8,000 — cost is the priority
When the residual value of your car no longer justifies Casco premiums, Baloise Drive Essentielle (RC only) stands out: the base third-party plan already includes driver personal accident cover and 24/7 breakdown assistance, both of which other insurers charge for. LALUX easyPROTECT Sécurité is the alternative if you value extended glass cover (headlights and mirrors).
Leasing contract or new purchase
Full Casco is contractually required on leased vehicles — this is standard across all leasing agreements. LALUX easyPROTECT Performance and AXA OptiDrive Privilège deliver comparable full packages: new-value reimbursement option, no deductible (LALUX), bonus protection (LALUX), 36-month new-value coverage (AXA Privilège) and a Joker Taxi included in every AXA plan. Foyer mobilé Zen is a strong third option for buyers who value its modular structure and the Joker Mobilité 60-day replacement vehicle on theft. The choice depends on whether you prioritise long-term bonus preservation, built-in flexibility features, or a fully modular policy.
Luxembourg's Four Car Insurers at a Glance
All four are licensed by the CAA. The information below highlights each insurer's strongest differentiators based on their official product information documents.
- Headlights & mirrors in glass cover
- Bonus protection in Performance
- No deductible on any Casco claim
- Top Assistance 24/7 on all plans
- EV-specific options available
- mobilé: any repair garage
- moov: lower premium, partner garages
- Joker Mobilité in top tiers
- Total-loss option on Mini Casco
- Worldwide occupant cover
- Joker Taxi included in all plans
- Per-kilometre pricing option
- Pick-up & delivery service
- EV cable theft covered
- 36-month new value (Privilège)
- Driver protection in all plans
- Breakdown assistance in all plans
- Limited-mileage option available
- Modular packs system
- GoodDrive app: telematics discount
Three Rules That Change the Maths
If you are coming from France, Belgium or Germany, three structural features of the Luxembourg market change how the cost calculation works.
No standard deductible on Casco
In France, a Casco claim typically carries a €150 to €500 excess. In Luxembourg, most Casco contracts have zero deductible — the insurer pays the full repair bill. This makes comprehensive coverage materially more valuable here than in neighbouring countries, even when the headline premium is higher.
Malus only affects the RC component
After an at-fault accident in France, your malus raises the entire policy premium. In Luxembourg, the bonus-malus scale (degree -3 to +22) applies only to the liability (RC) portion. Your glass, breakdown and theft premiums are unaffected. The malus impact at degree 14 is therefore lower than you might expect.
Tax deduction up to €672 per person per year
The RC (third-party liability) portion of your car insurance premium is deductible from Luxembourg income tax under Article 111 LIR, up to €672 per fiscal household member per year. This limit is shared with other eligible insurance premiums. At a 30% marginal tax rate, the deduction offsets up to roughly €200 per year of your RC premium cost.
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There is no single best insurer for every driver — but there are clear winners by use case. LALUX easyPROTECT Performance delivers strong Casco coverage thanks to no deductible, bonus protection, and a Joker that resets every three claim-free years. Baloise Drive Essentielle offers the most generous entry-level base plan because it already includes driver accident protection and breakdown assistance without any added options. AXA OptiDrive with the per-kilometre option is the most relevant choice for drivers covering under 8,000 km per year. Foyer moov Silver packs the most included guarantees in a base tier, though it requires partner-garage repairs.
Yes. Third-party liability (RC auto) coverage is legally required under the law of 16 April 2003. Every vehicle driven on public roads must carry valid RC insurance. The SNCA (vehicle registration authority) requires proof of insurance before issuing registration plates — you must insure your car before registering it, not after. Driving uninsured is a criminal offence in Luxembourg and exposes you to full personal liability for any damages caused.
Yes, and it is strongly recommended. All four Luxembourg insurers accept foreign bonus-malus attestations from EU and EEA countries. Request a relevé d'informations (France) or equivalent claims history document from your current insurer before cancelling your foreign policy. Without it, you start at degree 11 (100% of the base premium). With a strong history, you may be placed at a lower starting degree, potentially saving you several hundred euros per year from day one. Full transfer guide for expats →
Standard Luxembourg Casco policies typically carry no deductible — this is a defining feature of the local market. When you make a covered claim, the insurer pays the full amount. LALUX explicitly confirms this across all easyPROTECT formulas. In practice, some specific situations may carry an excess (for example, when an undeclared driver with fewer than three years of licence is at the wheel), but these are exceptions. Always verify your specific conditions with your agent.