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Insurance comparisons

Insurance comparison for Luxembourg

Detailed comparisons of the main insurers in each category. Compare guarantees, deductibles and benchmark prices, insurer by insurer, to choose according to your situation.

Our comparisons

Choose your insurance comparison

How our insurance comparison works

A comparison is only worth as much as its method is transparent. Here is exactly what happens between your request and your new policy.

01

You describe your needs

Two minutes is enough: type of insurance, your situation (resident, expat or cross-border worker) and what matters to you. No documents are required at this stage.

02

A licensed insurer receives your request

Your request is passed to a single licensed partner insurer (supervised by the Commissariat aux Assurances), the only party authorised to formally advise you and to issue the quote and the contract.

03

It prepares a quote tailored to your profile

The insurer studies your situation and builds its proposal around it: coverage, deductibles, ceilings and exclusions, not just the sticker price.

04

You receive its proposal, usually within 24 hours

You review its proposal with no obligation and weigh it against your current contract. If you switch insurers, the partner insurer can help you avoid a gap in cover.

The main insurers in Luxembourg

The Luxembourg market is concentrated around a few solid generalist players, complemented by specialists. Our comparisons cover in particular:

Insurer Profile Main lines
Foyer Historic leader of the Luxembourg market Car, home, health, life, professional liability
LALUX Luxembourg generalist insurer of reference Car, home, health, life, professional liability
Baloise Luxembourg Swiss group (Helvetia Baloise) with a strong local footprint Car, home, life, professional liability
AXA Luxembourg International network, full product range Car, home, health, life, professional liability
CMCM Non-profit complementary health mutual Complementary health
DKV Luxembourg Health insurance specialist Complementary health

Non-exhaustive list of the insurers covered by our comparisons. Your quote request is forwarded to a single licensed partner insurer.

Compare like for like: what actually matters

The price never tells the whole story

Two identical premiums can hide very different contracts: deductible per claim, compensation ceilings, exclusions, assistance included or optional. A policy that is 10% cheaper with twice the deductible often ends up costlier the year a claim occurs. Our per-category comparisons break these criteria down item by item.

Luxembourg specifics

Car insurance follows a national bonus-malus scale (from −3 to 22, new drivers start in class 11) applied by every insurer, but recognition of a foreign claims history varies from one company to the next, a decisive point for cross-border workers and newcomers. For health, the CNS covers the basics and a complementary plan makes the difference on dental, optical and hospitalisation. Finally, taxation rewards foresight: premiums are deductible under Article 111, and pension-savings contracts allow up to €4,500 per year under Article 111bis.

The right moment to compare

Most contracts renew tacitly every year; outside life and health insurance, you can terminate each year by notifying the insurer at least 30 days before the renewal date (law of 27 July 1997, article 38). The best moments: as your annual renewal approaches, after a change in situation (moving house, marriage, birth, new vehicle), and when you arrive in Luxembourg. Our guide to switching insurance sets out the notice and the timeline.

Comparing insurance in Luxembourg: your questions

How do I compare insurance policies in Luxembourg?

Start by defining the coverage you cannot do without, then compare like for like: deductibles, ceilings, exclusions, assistance. Use a per-category comparison (car, health, home, life or professional liability), then validate the details with a professional. Our comparisons structure that reading; your quote request is then forwarded to a licensed partner insurer, which sends you a proposal.

Is the comparison service really free?

Yes. The service is free and non-binding for you: LuxAssurance is paid by the partner insurer for the requests it forwards, never by you.

Which insurers are compared?

The main players active in Luxembourg: Foyer, LALUX, Baloise and AXA, plus specialists such as CMCM or DKV for health. Your quote request, on the other hand, is forwarded to a single licensed partner insurer.

Who prepares the quotes and the contracts?

An insurer licensed in Luxembourg, supervised by the Commissariat aux Assurances (CAA). LuxAssurance is an independent comparison service: we publish comparisons and forward your request; the licensed insurer prepares the quote and, if you accept it, the contract.

Can I switch insurers mid-year?

As a rule, a contract runs until its annual renewal date and is terminated by notifying the insurer at least 30 days before that date, by registered letter, bailiff’s writ or letter handed over against receipt. Some situations open an early termination right: premium increase, claim, sale of the insured property or moving abroad, depending on the contract terms. The partner insurer can align the start of the new policy with the end of the old one.

Get Started

Request your free,
no-obligation quote

Tell us a bit about your needs: a licensed Luxembourg-based partner insurer will send you a personalised proposal, usually in less than 24 hours.