An overview of the main car insurance providers in Luxembourg - their coverage, specialities, and what sets them apart.
Comparison last updated: July 2026, from the insurers’ public documentation. Our method: we review each insurer’s public offer documents, compare guarantees, options and exclusions, and summarise the differences that actually matter. We are independent and are not an insurer.
Car insurance (RC Auto) is mandatory in Luxembourg. The market is structured around three standard coverage tiers shared by all insurers: RC (third-party liability), Mini Casco (partial comprehensive), and Omnium (full comprehensive).
Luxembourg uses a universal bonus-malus system that applies across all providers — your driving record follows you regardless of which insurer you choose. Multilingual claims handling is standard across all four major players, reflecting Luxembourg’s cross-border workforce.
In Luxembourg, only third-party liability (RC) is legally required. The real choice is therefore about damage cover: partial casco (fire, theft, glass breakage, natural forces, animal collision) and full casco or omnium, which adds damage to your own vehicle even in an at-fault accident.
A decisive feature of the Luxembourg market: the bonus-malus scale is set by regulation and identical across all insurers. It has 25 degrees, from −3 (45% of the premium) to 22 (250%); you start at degree 11 (100%), gain one degree per claim-free year and fall back three degrees per at-fault claim. Your record follows you from insurer to insurer — which is why bonus protection options have become the main differentiator: LALUX’s “Bonus-Malus Joker” (first claim neutralised after 3 claim-free years on the Comfort tier, bonus fully protected on Performance), Baloise’s Indemnification pack, and equivalent options at Foyer and AXA.
Each insurer then structures its offer differently: Foyer separates mobilé (modular, 9 options, replacement vehicle from 5 to 60 days) from moov (an accessible formula aimed at young drivers and second-hand cars); LALUX offers easyPROTECT Auto in three tiers (Security, Comfort, Performance); AXA’s OptiDrive comes as Active, Active + Mini Casco and Privilège, with a pay-per-kilometre formula under 7,000 km/year and a reduced premium for hybrid and electric vehicles; Baloise includes driver protection as standard in its Drive formulas (Essentielle and Intégrale) and discounts bundled car + home contracts.
No. The bonus-malus scale is set by Luxembourg regulation and applies identically at every insurer. Your current degree appears on your claims statement (relevé d’informations) and automatically follows you when you change company.
Partial casco covers events you suffer: fire, theft, glass breakage, natural forces and animal collisions. Omnium (full casco) adds damage to your own vehicle, including at-fault accidents. For a recent or financed vehicle, omnium is generally recommended.
Without a Luxembourg record you enter the scale at degree 11, i.e. 100% of the reference premium. Some insurers offer formulas designed for this profile (such as Foyer’s moov), and a documented foreign driving record can sometimes be taken into account — it is negotiated case by case.
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