How does the car insurance quote service on car-insurance.lu work?

You complete one form in three steps covering your contact details, vehicle, and insurance history. Your profile is forwarded to our CAA-authorised partner insurers in Luxembourg, who review your file and contact you with their best personalised offer within one business day. The service is free and non-binding.

Which insurers operate in Luxembourg for car insurance?

Four insurers are licensed by the Commissariat aux Assurances (CAA) to sell car insurance in Luxembourg: LALUX (easyPROTECT Auto — three tiers), Foyer (mobilé and moov ranges), AXA (OptiDrive — three tiers) and Baloise (Drive — two tiers with modular packs). All four are CAA-supervised and required to honour the legal bonus-malus scale.

Can I request a quote as an expat arriving in Luxembourg?

Yes. Indicate your expat or new-arrival situation in the form. Luxembourg insurers accept foreign bonus-malus attestations from EU countries, the UK and many other nations. Without an attestation you start at degree 11, but a clean foreign record is typically recognised and can reduce your first-year premium significantly.

Free Car Insurance Quote Luxembourg 2026

⚡ How this works

Luxembourg has four CAA-licensed car insurers — LALUX (easyPROTECT), Foyer (mobilé & moov), AXA (OptiDrive) and Baloise (Drive). This form collects your driver profile and vehicle details, then forwards your request to our partner insurer(s) — all of them CAA-authorised. A licensed agent reviews your file and contacts you with their best personalised offer within one business day. You compare and decide — no pressure, no obligation.

Request your car insurance quote

3 steps · Under 3 minutes · No commitment · English-language form

Step 1 of 3

Your contact details

First name *

Last name *

Email *

Phone

Luxembourg address

Date of birth *

Licence obtained in *

Your situation

Step 2 of 3

Your vehicle

Make *

Model *

First registration *

Fuel

Power (kW)

Step 3 of 3

Insurance history & preferences

Current / previous insurer

Bonus-malus degree (if known)

At-fault accidents (last 5 years)

Coverage level sought

I agree to be contacted by our licensed insurance partner(s) in Luxembourg with personalised car insurance quotes. I understand WeSave SAS is a commercial intermediary that may be remunerated by partners upon subscription. I can withdraw consent at any time. Privacy Policy.

Free · Non-binding · Partner agent contacts you within 1 business day

✓

Your request has been sent

A licensed partner agent will contact you within 1 business day with a personalised quote.

In the meantime: compare all 4 insurers or use the Coverage Advisor.

This service is operated by WeSave SAS, a licensed insurance intermediary. WeSave SAS is not an insurer. All quotes are issued by the licensed partner insurer(s). Full disclosure: Legal Notice.

Luxembourg's licensed insurers

Luxembourg has four CAA-licensed car insurers — LALUX, Foyer, AXA and Baloise. WeSave SAS works with one or more of them as commercial partners. The identity of the partner who receives your request is disclosed when they contact you with their personalised offer.

🕐 What happens next

You submit your profile — three steps, under three minutes

We forward your request to our licensed partner insurer(s)

A licensed agent reviews your profile and vehicle details

You receive a personalised quote within one business day

You compare and decide — no pressure, no obligation

🌍 Expats welcome

Foreign bonus-malus histories from France, Belgium, Germany, the UK and most EU countries are accepted by Luxembourg insurers. Indicate your situation and the agent will assess your transferable history.

Questions about the process

Quote FAQ

Which insurer will contact me?

Your request is forwarded to our licensed partner insurer(s) in Luxembourg. All four Luxembourg car insurers — LALUX (easyPROTECT), Foyer (mobilé & moov), AXA (OptiDrive) and Baloise (Drive) — are CAA-regulated. The partner agent who contacts you operates under CAA supervision and provides a binding personalised quote.

I'm a new expat with no Luxembourg history — can I get a quote?

Yes. Select "New arrival / expat" in the form. Luxembourg insurers accept foreign bonus-malus attestations from EU countries, the UK, Switzerland and many others. Request this document from your current insurer before cancelling your old policy. A clean foreign record can reduce your first-year premium significantly — in some cases equivalent to several years of local bonus progression.

Is this service free? Is there any obligation?

Completely free and non-binding. WeSave SAS is remunerated by insurance partners only in the event of an actual policy subscription — never by you. You receive your quote, decide freely, and incur no pressure or fees.

Can I get a quote for an electric vehicle?

Yes. Select "Electric" as the fuel type. Luxembourg's four licensed insurers all cover EVs under their standard plans. AXA OptiDrive includes specific EV features such as charging cable theft cover. Baloise, LALUX and Foyer also cover batteries and EV-specific risks under their Casco guarantees.

Note: This quote request service is operated by WeSave SAS, a licensed insurance intermediary. WeSave SAS is not an insurer and does not issue policies or handle claims. All quotes are provided by the licensed partner insurer(s) who contact you. Supervisory authority for Luxembourg insurers: caa.lu.

For a complete, detailed comparison of car insurance offers in Luxembourg, visit the independent comparator Switchr.lu.