Insurance comparisons

Insurance comparison for Luxembourg

Side-by-side comparisons of the leading insurers across every category. See who offers the best coverage, pricing and service for 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

We compare the market

We match your profile against the offers of the main insurers active in Luxembourg, coverage, deductibles, ceilings and exclusions, not just the sticker price.

03

A licensed broker takes over your file

Your request is passed to a licensed partner broker (registered with the Commissariat aux Assurances), the only party authorised to formally advise you and negotiate on your behalf.

04

You receive quotes within 24 hours

You compare concrete proposals, with no obligation. If you switch insurers, the partner broker makes sure there is no gap in coverage.

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: depending on your profile, the partner broker may extend the tender to other companies active in Luxembourg.

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; cancellation is done by registered letter at least one month before the renewal date. 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.

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 service structures that comparison and passes your request to a licensed broker who prepares precise quotes.

Is the comparison service really free?

Yes. The service is free and non-binding for you: we are remunerated by our partner brokers, not 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. Depending on your profile, the partner broker may extend the tender to other companies.

Who prepares the quotes and the contracts?

A licensed insurance broker registered with the Commissariat aux Assurances (CAA). LuxAssurance is an independent comparison service: we prepare the competitive review, and the licensed broker advises, negotiates and handles the subscription.

Can I switch insurers mid-year?

As a rule, a contract runs until its annual renewal date and is cancelled by registered letter with one month’s notice. 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 broker synchronises the cancellation with the start of the new policy.

Get Started

Request your free,
no-obligation quote

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