Compare your insurance in Luxembourg

Yes. Luxembourg law requires several types of insurance. Auto liability insurance (responsabilité civile) is mandatory for all vehicle owners. If you have a mortgage, your lender will require home insurance. Health insurance is covered through the CNS (Caisse Nationale de Santé) social security system, but many residents and expats supplement this with private health insurance for broader coverage.

According to our August 2026 survey, for a driver entering the bonus-malus scale at level 11, expect roughly €30 to €50 a month for third-party liability alone, €50 to €80 with partial casco and from €90 to €150 a month for omnium, depending on the vehicle. At the maximum bonus (level −3), the liability premium drops to 45% of the reference premium. To see where your profile sits, send us your request: a licensed partner insurer prepares a personalised quote for you.

Home insurance (assurance habitation) in Luxembourg typically covers fire, water damage, storms, theft, and civil liability. Most policies can be extended to cover natural disasters, glass breakage, and electronics. If you rent, tenant's insurance (assurance locataire) covers your personal belongings and liability. Premiums depend on property size, location, construction type, and chosen coverage level.

Except for life and health insurance, you can terminate a contract every year at its renewal date by notifying the insurer at least 30 days beforehand, by registered letter, bailiff's writ or letter handed over against receipt (law of 27 July 1997 on insurance contracts, articles 38 and 39). If your renewal notice did not clearly state that deadline, you can still terminate without penalty up to 60 days after the renewal date. The licensed partner insurer who takes over your file can help you avoid any gap in cover.

Absolutely. Cross-border workers (frontaliers) make up a significant portion of Luxembourg's workforce. Your social security contributions in Luxembourg provide basic coverage, but your residency country may also play a role. A licensed partner insurer can help cross-border workers from France, Belgium and Germany avoid gaps and overlaps between the two countries.

Article 111bis lets you deduct from your taxable income the payments into a pension-savings contract (prévoyance-vieillesse), offered by insurers and some banks, up to €4,500 per year per taxpayer in 2026, regardless of age since the 2017 reform. In return: a minimum term of 10 years, subscription before age 65, payout between 60 and 75. Residents and cross-border workers treated as tax residents (article 157ter) can benefit.

For many regulated professions - architects, lawyers, accountants, healthcare providers - RC Pro is legally required. For other professionals and freelancers, it is not mandatory but strongly recommended. A single client claim can far exceed the cost of years of premiums, making RC Pro a prudent investment for any business or independent professional.

After you submit your request through our form, it is passed to a licensed partner insurer who typically sends you a personalized proposal within 24 hours. Cover then starts on the date agreed in the contract. The partner insurer tells you the formalities, including how to cancel your previous policy within the deadlines, if applicable.