Auto Insurance
Mandatory RC, partial CASCO and full CASCO (omnium). Best rates across all bonus-malus classes. Coverage for glass breakage, theft, natural events. Special rates for electric vehicles and young drivers.
Get auto quoteThe best rates for your insurance in the Grand Duchy
Benefit from the best rates with Luxembourg insurers. Resident, expat, or cross-border worker — we find the ideal coverage for you.
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Insurance solutions for every aspect of your life in Luxembourg
From your personal insurance (auto, home) to comprehensive business protection, our advisors find you the best rate from our network of trusted Luxembourg insurers.
Health Insurance
Supplement your CNS coverage with a complementary health plan. Hospitalization in private room, dental and optical care, alternative medicine. Reduced co-payments and shorter waiting times for specialists.
Get health quoteHome Insurance
Multirisque home insurance for owners and tenants. Fire, water damage, theft, storm, glass breakage and private liability (RC vie privée). New replacement value for your contents and building.
Get home quoteLife Insurance
Life insurance and supplementary pension (3rd pillar). Tax-deductible savings under Article 111bis L.I.R. Death capital, disability cover and retirement provision with guaranteed capital or unit-linked funds.
Get life quoteProfessional Liability
RC Professionnelle and RC exploitation for freelancers, SMEs and liberal professions. Cover for professional errors, business interruption, cyber risk and product liability.
Get business quoteCross-Border & Expat
Insurance for cross-border workers and expats between Luxembourg, France, Belgium and Germany. CNS affiliation, social security coordination and multi-country health and auto coverage.
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Review our personalized recommendation, pick the plan that fits, and we handle the paperwork — including switching from your old provider.
Common Questions
Frequently asked questions about insurance in Luxembourg
Is insurance mandatory 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.
How much does auto insurance cost in Luxembourg?
Auto insurance premiums in Luxembourg typically range from €400 to €2,500 per year depending on coverage level (third-party, partial or comprehensive), your vehicle type, driving history, and bonus-malus class. New drivers and young drivers under 25 generally pay higher premiums. We help you find the best rate by negotiating with multiple insurers on your behalf.
What does home insurance cover in Luxembourg?
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.
How do I switch insurance providers in Luxembourg?
In Luxembourg, most insurance contracts renew annually. You can cancel by sending a registered letter (lettre recommandée) to your current insurer at least 1 month before the renewal date. Our advisors handle the entire switching process for you, ensuring there is no gap in coverage.
Can I get insurance if I'm a cross-border worker (frontalier)?
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. We specialize in helping frontaliers from France, Belgium, and Germany navigate these complexities to ensure complete coverage without overlaps or gaps.
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