The five verified differences between Luxembourg's four licensed car insurers are: (1) Driver protection — Baloise includes it in all plans; the others charge extra. (2) Glass cover scope — LALUX explicitly covers headlights and mirrors; the others say "verify conditions". (3) Emergency taxi — AXA includes a Joker Taxi in all three plans; the others price it as an option or pack. (4) Bonus protection — LALUX Performance includes it with a free three-year Joker; this combination is unique on the market. (5) Repair garage freedom — Foyer moov requires partner garages; LALUX, AXA and Baloise impose no restriction.
Five Verified Differences Between the Insurers
Each difference is drawn from the publicly available product information documents of the four CAA-licensed insurers.
Driver Personal Accident Protection — Included by Baloise Only
Third-party liability (RC) covers the people you injure — it does not cover you as the driver. If you cause an accident and are injured, you receive nothing from RC alone. This gap is filled by the "conducteur protégé" guarantee, which covers your bodily injury, temporary disability, permanent disability and death. Baloise Drive Essentielle includes this in every plan — the only insurer to do so. At LALUX, Foyer mobilé and AXA, driver protection is a paid option. The difference can amount to several hundred euros per year and represents the highest-impact coverage gap for an unaware buyer.
Glass Coverage Scope — Headlights and Mirrors Explicit at LALUX
All four insurers include glass breakage in their Mini Casco tiers, but the scope differs. LALUX easyPROTECT explicitly lists in its official guarantee table windscreen, sun visors, panoramic roof, external mirrors, and headlights including xenon. This is verifiable in the published IPID. Foyer, AXA and Baloise do not specify headlights or mirrors in their IPID documents, so the scope must be verified in the full policy conditions. On modern vehicles, xenon, LED or matrix headlight replacement costs €400 to €1,500 or more per unit, which makes the difference in scope financially meaningful.
Emergency Taxi Service — AXA Includes Joker Taxi in All Plans
When you cannot drive — following an accident, an evening with alcohol, a medical episode, or lost glasses — AXA OptiDrive includes a Joker Taxi service covering return-to-home transport for all vehicle occupants. This benefit is included in all three AXA tiers: Active, Active + Mini Casco, and Privilège. At LALUX, a comparable LALUX Taxi service (three return journeys) is a paid option. At Baloise, taxi cover is part of an optional Mobilité pack. Foyer does not offer an equivalent service in either product line.
Casco Bonus Protection — Unique Combination at LALUX Performance
Luxembourg has a separate DM (Dégâts Matériels) bonus-malus scale for Casco coverage, set freely by each insurer. An at-fault Casco claim typically raises the DM degree, which increases the Casco premium. LALUX Performance bundles two protections that are not combined elsewhere: a bonus protection clause (one at-fault Casco claim does not increase the DM degree) and an automatic Joker that resets for free after three consecutive claim-free years. Foyer mobilé Zen and Baloise offer bonus protection as an optional feature or pack, but neither includes the automatic three-year Joker reset. AXA offers options on a case-by-case basis.
Repair Garage Freedom — Foyer moov Requires Partner Garages
After a covered claim, Foyer moov (Silver and Gold tiers) requires repairs to be carried out at a Foyer partner garage. This is the explicit condition in the Foyer moov IPID. While partner-garage networks are typically well distributed, this restriction removes the ability to use a brand dealership, a trusted independent mechanic, or a specialised shop (for example, for rare or classic vehicles). LALUX, AXA, Baloise and Foyer mobilé impose no garage restriction — you choose where the car is repaired.
What's Included in Each Insurer's Base Tier
This table shows what is included as standard in each insurer's entry-level plan, before any options. "Pack" indicates that the feature requires adding an optional group.
| Guarantee | LALUX Sécurité | Foyer mobilé Essentiel | AXA Active | Baloise Essentielle |
|---|---|---|---|---|
| Third-party liability (RC) | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Legal defence & recourse | Option | Option | ✓ Included | ✓ Included |
| Breakdown assistance 24/7 | ✓ Top Assistance | Option | Option | ✓ Included |
| Accident assistance 24/7 | ✓ Included | Option | ✓ Included | ✓ Included |
| Driver protection | Option | Option | Option | ✓ Included |
| Fire & explosion | Pack | Option | Mini Casco pack | Damage pack |
| Theft & attempted theft | Pack | Option | Mini Casco pack | Damage pack |
| Glass breakage (windscreen) | Pack | Option | Mini Casco pack | Damage pack |
| Glass: headlights & mirrors | ✓ Confirmed | Verify CG | Verify CG | Verify CG |
| Natural forces (hail, storm) | Pack | Not in Essentiel | Mini Casco pack | Damage pack |
| Animal collision | With glass pack | Not in Essentiel | Mini Casco pack | Damage pack |
| At-fault own-vehicle damage | Confort+ only | Zen only | Privilège only | Intégrale only |
| Vandalism | Confort+ only | Zen only | Privilège only | Intégrale only |
| Emergency taxi / transport | LALUX Taxi option | Unavailable | ✓ Joker Taxi in all plans | Mobilité pack |
| Replacement vehicle (theft) | 30 days (Sécurité) | Option | Per plan | Mobilité pack |
| Per-kilometre option | — | — | ✓ All plans | ✓ Available |
| Repair garage freedom | ✓ Free choice | ✓ Free choice | ✓ Free choice | ✓ Free choice |
| Deductible on Casco | €0 confirmed | Verify CG | Some exceptions | Verify CG |
"Verify CG" means the feature is not specified in the IPID and must be verified in the full policy conditions générales. This table reflects base tiers only; higher tiers include more guarantees as standard.
Full Casco Tier Comparison
Which insurer's top comprehensive plan includes the most as standard?
| Feature | LALUX Performance | Foyer mobilé Zen | AXA Privilège | Baloise Intégrale |
|---|---|---|---|---|
| At-fault accident damage | ✓ | ✓ | ✓ | ✓ |
| Vandalism | ✓ incl. tyre damage | ✓ | ✓ | ✓ |
| Marten / rodent damage | ✓ | Verify CG | Verify CG | Verify CG |
| Fuel error | ✓ | Verify CG | Verify CG | Verify CG |
| Bonus protection (DM) | ✓ Included | Joker option | Option | Pack Indemn. |
| Auto-reset Joker (3-yr) | ✓ Free after 3 yr | — | — | — |
| New-value reimbursement | Option (3 years) | — | ✓ 36 months | Pack Indemn. |
| Payout uplift near write-off | ✓ +10%, max €2,500 | — | +10–20% (Privilège) | — |
| Replacement vehicle (theft) | 60 days | Joker Mobilité | Per contract | Pack Mobilité 60 d |
| EV-specific options | Battery option | — | Cable theft covered | Verify CG |
| Deductible | €0 confirmed | Verify CG | Some exceptions | Verify CG |
Strongest Pick by Use Case
Maximum Casco protection
Bonus protection, auto-reset Joker, marten/fuel/tyre coverage and the Réparation Plus clause combined.
Most included in entry tier
Driver protection and breakdown assistance included in the base RC plan — unique on the market.
Emergency taxi in all plans
Joker Taxi for all occupants in every AXA tier — no extras needed.
Widest option catalogue
mobilé lets you build your ideal policy à la carte with the largest option menu.
Compare FAQ
LALUX Performance outperforms AXA Privilège on Casco depth: bonus protection and an auto-reset Joker are included at no extra cost, marten and fuel-error damage are explicitly confirmed in the IPID, and the Réparation Plus clause adds 10% to near-write-off payouts. AXA OptiDrive beats LALUX on two specific points: the Joker Taxi is included in all three AXA tiers (LALUX charges extra), and AXA offers a per-kilometre pricing option that saves money for drivers covering under 10,000 km per year. Choose LALUX for maximum Casco; choose AXA if mileage is low.
Yes — Baloise is the only Luxembourg car insurer to include driver personal accident protection in its standard Essentielle plan. This covers your own bodily injury, disability and death in an at-fault accident, at no additional cost. LALUX, Foyer mobilé and AXA all require this to be added as a paid option. The annual cost of driver protection as an option typically ranges from €50 to €150 depending on coverage level — a meaningful saving if Baloise's premium is otherwise competitive for your profile.
Yes. Foyer moov Silver and Gold require all covered repairs to be done at a Foyer partner garage. This is explicitly stated in the Foyer moov IPID. The mobilé product line (Essentiel, Clima, Protection, Zen) imposes no such restriction. LALUX, AXA and Baloise all allow free choice of repair workshop. If you prefer to use your car's dealership or a trusted independent mechanic, choose mobilé or another insurer instead.
Sécurité (entry): RC, 24/7 Top Assistance and a 5-day replacement vehicle, but fire, theft and glass require two optional packs. Confort: adds all Mini Casco guarantees as standard (fire, theft, glass, natural forces, animal collision), plus a 15-day accident replacement vehicle and a 35-day theft vehicle. Performance: full Casco tier adding at-fault accident damage, vandalism, marten/fuel/tyre damage, bonus protection, a free Joker that resets every three clean years, a 60-day replacement vehicle on theft, and the Réparation Plus clause adding 10% near write-off.