Luxembourg has four licensed car insurers: LALUX, Foyer, AXA and Baloise — all regulated by the Commissariat aux Assurances (CAA). LALUX easyPROTECT Performance is the strongest full-coverage choice: no deductible, bonus protection included, and a free bonus reset after three claim-free years. Baloise Drive Essentielle wins for entry-level plans as the only insurer including driver personal accident cover and breakdown assistance in every base policy. AXA OptiDrive stands out for low-mileage drivers through its per-kilometre pricing option.
All four plans include no standard deductible on Casco — a key advantage over French and Belgian policies. Third-party RC premiums are partially tax-deductible up to €672 per person per year (Art. 111 LIR).
Your Profile → Your Insurer
Seven driver profiles. One direct verdict 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. Bring your foreign bonus-malus attestation — all four insurers accept them, but LALUX agents are most experienced with international transfer documents. Confort gives you full Mini Casco plus the option to add driver protection. Full Casco is worth considering if your car is under 3 years old.
Licence under 2 years, starting at degree 11
Foyer moov Silver is worth examining: it packs the most guarantees in its base tier (fire, theft, glass, natural forces all included) and its pricing can be competitive for young drivers. However, note that moov requires all repairs to be done at a Foyer partner garage — a trade-off for the lower premium. If garage flexibility matters more, choose LALUX Confort.
14+ claim-free years, maximum bonus
LALUX easyPROTECT Performance. At degree -3 you pay only 45% of the RC base premium — your policy is already cheap. Performance adds bonus protection (one at-fault Casco claim won't raise your DM degree) and a free Joker that auto-resets every 3 years without a claim. The Réparation Plus clause also adds 10% to payouts when repair costs approach write-off value. Best in class at this profile.
Remote worker or occasional driver
AXA OptiDrive Active + Mini Casco with the per-kilometre option. AXA offers declared-mileage pricing (5,000 or 7,000 km/year brackets, no black box required) — and Baloise Drive also offers limited-mileage pricing. Both save meaningfully below 10,000 km/year. AXA's advantage here is the Joker Taxi included in all three tiers, useful when you rarely drive but occasionally need to hand over the keys.
Lives in France/Belgium/Germany, works in Luxembourg
Baloise Drive Essentielle + Pack Dommage. Baloise's base plan already includes driver personal accident protection and 24/7 assistance — critical for cross-border commuters who spend significant time on motorways. The international Carte Verte covers the entire EU/EEA zone. If you drive a new vehicle, upgrade to Intégrale for full Casco.
Car value under €8,000 — cost is the priority
Baloise Drive Essentielle (RC only). Baloise's base third-party plan is remarkable: it includes driver personal accident cover and 24/7 breakdown assistance with no extra options — both of which other insurers charge for. When your car's residual value doesn't justify Casco premiums, Baloise gives you the most comprehensive "just RC" package on the market.
Leasing contract or brand-new purchase
LALUX easyPROTECT Performance. Full Casco is contractually required on leased vehicles — this is standard in all leasing agreements. Performance delivers the full package: new-value reimbursement option (up to 3 years), no deductible, bonus protection, 60-day replacement vehicle on theft, and the Réparation Plus clause. AXA Privilège is an alternative with up to 36-month new-value reimbursement if you want OEM-part guarantees.
Luxembourg's 4 Car Insurers — at a Glance
All four are licensed by the CAA. Their key differentiators, not their marketing claims.
- Headlights & mirrors in glass cover
- Bonus protection in Performance
- No deductible on any Casco claim
- Top Assistance 24/7 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
- Occupants worldwide coverage
- Joker Taxi in all 3 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 — open to all
- Modular packs system
- GoodDrive app: telematics discount for young drivers
Three Rules That Change the Maths
No Standard Deductible on Casco
In France, a Casco claim typically carries a €150-€500 excess. In Luxembourg, most Casco contracts have zero deductible — your insurer pays the full repair bill. This makes comprehensive coverage materially more valuable here than in neighbouring countries, even if the headline premium is higher.
Malus Only Hits 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, or theft premiums are unaffected. A degree-11 driver's malus impact is therefore significantly lower than you might expect.
Tax Deduction up to €672/Person/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, this offsets up to ~€200/year of your RC premium cost.
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There is no single "best" insurer — but there are clear winners by use case. LALUX easyPROTECT Performance delivers the strongest Casco coverage: no deductible, bonus protection, and a Joker that resets every three years. Baloise Drive Essentielle gives the best value on entry-level plans by including driver accident protection and breakdown assistance without any added options. AXA OptiDrive with the per-km option is the smartest choice for drivers covering under 8,000 km/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's 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 base premium) in Luxembourg. With a strong history, you may be placed at a lower starting degree — potentially saving you hundreds of euros per year from day one. Full transfer guide for expats →
Standard Luxembourg Casco policies carry no deductible (zero excess) — 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 its easyPROTECT formulas. In practice, some specific situations may carry a franchise (for example, LALUX applies one if a driver with fewer than 3 years of licence is not declared), but these are exceptions. Always verify your specific conditions with your agent.
Last updated: [MONTH_YEAR_CAP] — WeSave SAS, ORIAS 26004449 (Courtier d'Assurance, Catégorie COA).