Compare your insurance 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.

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. To see where your profile sits in these ranges, send us your request: a licensed partner broker prepares a personalised quote for you.

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.

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. The licensed partner broker who takes over your file can guide you through the entire switching process, ensuring there is no gap in coverage.

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.

Article 111bis allows Luxembourg taxpayers to deduct life insurance premiums from their taxable income, up to a single ceiling of €4,500 per year and per taxpayer in 2026, with no age condition since the 2017 reform. This makes life insurance one of the most tax-efficient savings tools available in Luxembourg. Both residents and cross-border workers subject to Luxembourg taxation can benefit from this deduction.

For many regulated professions - architects, lawyers, accountants, healthcare providers - RC Pro is legally required. For other professionals and freelancers, it is not mandatory but strongly recommended. A single client claim can far exceed the cost of years of premiums, making RC Pro a prudent investment for any business or independent professional.

After you submit your request through our form, it is passed to a licensed partner broker who typically sends you a personalized proposal within 24 hours. For straightforward cases, coverage can begin as soon as 24-48 hours after you accept the quote. The partner broker handles the paperwork, including cancellation of your previous policy if applicable.