Baloise Luxembourg: in the Grand Duchy since 1890

Baloise Luxembourg at a glance

Presence	Insurance services in the Grand Duchy since 1890
Companies	Baloise Assurances Luxembourg (non-life, incorporated in 1998) and Baloise Vie Luxembourg (incorporated in 1996), both owned by Baloise (Luxembourg) Holding
Group	Helvetia Baloise, formed by the merger of Baloise and Helvetia completed on 5 December 2025: head office in Basel, eight European markets, around 13 million customers; in Luxembourg the Baloise brand is kept for now, the single Helvetia brand unveiled on 5 February 2026 being rolled out gradually over a horizon that may extend to five years, with no short-term change to contacts, offers or contracts
2025 business	€176.2 million of gross written premiums in non-life; €1,153 million in life, 17.3% of it in Luxembourg, behind France and Portugal
Financial strength	Solvency ratios of 180.1% (non-life) and 145.4% (life) at 31 December 2025 (SFCR)

The range, line by line

• Car: Drive in two plans. Essentielle includes third-party liability, legal defence and claims, protected driver cover (the driver’s bodily injury, even when at fault), 24/7 assistance in Luxembourg and abroad and roadside assistance; a damage pack (fire, theft, glass breakage, natural disasters, animal collision) can be added. Intégrale adds material damage and those same covers, with an optional compensation pack (vehicle value protection, bonus-malus protection for material damage). The Mobility pack comes in three levels: replacement vehicle for up to 30, 45 or 60 days, luggage and goods up to €500, €1,000 or €3,000, a taxi twice a year. Limited mileage open to everyone, your old vehicle covered until it is sold and a Drive Electric version for electric cars.
• Home: HOME, for tenants and owners, in Essentielle and Intégrale plans. From Essentielle: fire, storm, hail and snow, flooding, terrorism, water and frost damage, glass breakage, electrical damage, property liability, legal defence and 24/7 assistance. Intégrale adds theft and vandalism, new-for-old replacement and multimedia, valuables and jewellery packs; other three-level packs cover, for example, sustainable mobility (€2,500 to €10,000) or renewable energy installations (€10,000 to €30,000). Online subscription 24/7 or through an agent, with a 30-day right of withdrawal.
• Pension savings: Pension Plan, a 111bis contract deductible up to €4,500 a year: defensive, balanced or dynamic profile, managed, profiled or free management, access to ETFs and a guaranteed-rate option; monthly or annual premium, adjustable at any time. It is open to cross-border workers who file a tax return in Luxembourg. Baloise also offers mortgage protection insurance.
• Business: tailor-made professional liability for regulated professions (architects, doctors, engineers, auditors), corporate liability with D&O and product liability, business multi-risk cover (premises, equipment, goods, business interruption), fleet insurance, construction risk and goods in transit, plus pension schemes for the self-employed and employees.

Reporting a claim

Car and home claims are reported online in the myBaloise client area, 24/7, or through your agent. Depending on the amount and nature of the claim, the agent appoints an expert; you then receive a settlement offer, and small claims are settled by mutual agreement. You can follow the file on myBaloise. Assistance answers 24/7 on +352 294 141: breakdown or towing service after a breakdown or accident, emergency help at home after water damage, lost keys or broken glass. Our advice on reporting a claim and filling in the accident report applies to every insurer.

Financial strength

According to their 2025 SFCRs, Baloise Assurances Luxembourg reports a solvency ratio of 180.1% at 31 December 2025 (216.2% a year earlier), with €176.2 million of gross written premiums and €9.9 million of profit; Baloise Vie Luxembourg reports 145.4% (139.1% in 2024), with €1,153 million of gross written premiums.

Comparing Baloise

Our comparisons set Baloise against Foyer, LALUX and AXA line by line: car, home, life and professional liability. For pension savings, our 111bis calculator puts a figure on the tax saving. See also the Foyer, LALUX and AXA profiles.