Foyer: Luxembourg’s largest non-life insurer

Foyer at a glance

Founded	1922; head office in Leudelange
Size	40% market share in Luxembourg non-life insurance (ACA), some 1,080 staff in three countries and 590 agents in Luxembourg
Businesses	Non-life insurance (Luxembourg, Belgium), life insurance (ten European countries) and wealth management, notably through WEALINS, CapitalatWork and Global Health (formerly Foyer Global Health, international health insurance)
Financial strength	Group solvency ratio of 286.6% at 31 December 2025; €1,544 million in equity
Contact	Foyer agent, MyFoyer client area, +352 437 437

The range, line by line

• Car: two products, mobilé, modular and comprehensive, and moov, simple and accessible, designed for young drivers and used vehicles. The “protected driver” guarantee covers the driver at the wheel, on a bike, on a scooter or on public transport; replacement vehicle for up to 60 days. For electric cars: towing to the nearest charging point if the battery is flat, and theft of charging cables covered.
• Home: mozaïk combines essential guarantees (fire, storm and hail, water damage, glass breakage), useful guarantees to choose (theft, natural disasters including flooding, technological goods, portable items covered worldwide, eco-energy, legal protection, liability) and modules.
• Health: the medicis top-up plan comes in two versions, hospi+ for hospital stays and confort, which adds routine health expenses; free choice of hospital across Europe, private room or a daily hospital allowance.
• Pension savings: horizon, a pension-savings contract deductible up to €4,500 a year (article 111bis), invested in a capital-protected fund (up to 50% of payments) and six variable-capital funds, two of them ESG, managed by CapitalatWork.
• Business: liability cover by trade (liberal professions, retail, crafts, healthcare, hospitality), professional fault for certain activities, premises and assets, business vehicles and cyber risk.

Foyer also offers mortgage protection, unpaid rent cover, travel insurance and pet insurance for cats and dogs.

Reporting a claim

Claims are reported to your Foyer agency or through the MyFoyer client area, which also lets you track them. Assistance (breakdown, accident, emergency hospitalisation, locksmith) is on +352 437 43 123; for health, reimbursement requests go through the client area, and a hospital stay must be reported before admission. Whatever the insurer, the law requires you to report a claim as soon as possible and in any case within the deadline set in the contract. Our advice on reporting a claim and filling in the accident report applies to every insurer.

Financial strength

According to its 2025 SFCR, the Foyer group reports a solvency ratio of 286.6%, with eligible own funds of €2,407.65 million and a solvency capital requirement of €840.04 million, calculated with the standard formula and no transitional measures. The group publishes this report and its consolidated accounts every year.

Comparing Foyer

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