Car insurance

What is compulsory in Luxembourg

Every vehicle registered in Luxembourg must have third-party liability (RC) insurance. It pays for the damage you cause to others: injuries, someone else's car, a wall, a fence. Without it, you are not allowed on the road. Your own damage, however, is not covered by RC alone.

This is where the choices begin, and where we come in: depending on the age and value of your car, how you drive and your budget, the right cover will not be the same.

The three levels of cover

• Third-party liabilityThe legal minimum. Suitable for an older or low-value car that you could replace without difficulty.
• Partial cover (mini-omnium)RC, plus the risks that are not down to you: theft, fire, broken glass, hail and storm. A good compromise for a car that is a few years old.
• Comprehensive cover (omnium)Full protection: your own damage is covered too, even if the accident is your fault. Recommended for a new or recent car, or one on a lease.
• Useful optionsBreakdown assistance, replacement vehicle, driver protection, legal protection. We only add what you will really use.

How we choose with you

A car insurance contract should be compared on more than price. Together, we look at:

• The value of the car and what you would receive in the event of a total loss.
• Your excess: a higher excess lowers the premium, but you need to be able to pay it on the day a claim happens.
• The driver: a young driver, a second driver or business use all change the cover you need.
• Your no-claims bonus: in Luxembourg, claim-free years bring your premium down. If you are coming from another insurer or another country, bring your claims history statement.

If you have an accident

1. Make the scene safe: hazard lights, high-visibility vest, warning triangle. If anyone is injured, call 112.
2. Fill in a European accident report form with the other driver, draw a clear sketch and take photos.
3. Call us as soon as you can. We tell you what to do, report the claim to LALUX with you and follow the file through to the end.

Changing your car? Let us know before you drive the new vehicle: we update your contract and your insurance certificate the same day.

Frequently asked questions

Is my car insurance valid abroad?

Yes, the cover applies in the European Union and in the countries listed on your insurance certificate. Before a long trip outside the European Union, call us to check the destination country and the assistance included.

I am a cross-border commuter. Can I insure my car with you?

Your car must be insured in the country where it is registered. If it has a Luxembourg plate, we can insure it. If it is registered in France, Belgium or Germany, it must be insured in that country.

How can I lower my premium?

Comparing the cover with the real value of the car, adjusting the excess and bringing your contracts together at LALUX are the three most effective ways. We work it out with you, with no obligation.

What if the other driver refuses to sign the accident report?

Don't argue. Note their plate number, take photos, get the contact details of any witnesses and call the police if necessary. Then contact us: we report the claim based on this information.