LALUX: Luxembourg’s insurer since 1920

LALUX at a glance

Founded	29 February 1920; LALUX describes itself as the very first Luxembourg insurance company active in the Grand Duchy
Companies	La Luxembourgeoise (non-life) and La Luxembourgeoise-Vie, insurance public limited companies; DKV Luxembourg has been a wholly owned subsidiary of the group since 2015
Shareholders	LALUX Group is owned 60% by Compagnie financière La Luxembourgeoise and 40% by Spuerkeess, the Luxembourg state savings bank
Network	Some 530 employees and more than 700 agents, 120 of them professional; head office in Leudelange
Financial strength	Group solvency ratio of 207.45% at 31 December 2025 (SFCR)

The range, line by line

• Car: easyPROTECT Auto in three formulas: Security, Comfort, which adds casco, and Performance. Round-the-clock breakdown and towing service included, in Luxembourg, including at home, and abroad; replacement vehicle for up to 5 days after a breakdown, 15 days after a covered accident and 60 days after theft. From the Comfort formula, a covered claim is paid with no excess and the natural forces cover (hail, storm) is included; there is no excess either for a young driver named on the policy. Comfort also grants a Bonus-Malus Joker after three years without a casco claim; Performance protects the bonus after covered casco damage and includes three taxi journeys a year (LALUX Taxi).
• Home: easyPROTECT Home, in Security, Comfort and Performance formulas, with add-on packs (swimming pool, green energy equipment, cycling and soft mobility, valuables, travel). Storm, hail, tornado and earthquake are covered from the Security formula; flooding, sewer backup and run-off fall under the supplementary Climate Risks cover. As an option, multimedia equipment is covered against breakage and theft, worldwide for portable devices, and paid at new-for-old value for up to five years with the new-value option.
• Health: the group’s top-up health plans are offered by its subsidiary DKV Luxembourg.
• Life and pension savings: the easyLIFE range (Pension, Invest for Future, Education, Prévoyance, Mixte, mortgage protection). easyLIFE Pension, a 111bis contract deductible up to €4,500 a year, starts at €25 a month, in a Security (guaranteed rate) or Performance (up to four funds) formula, and is open to cross-border workers. LALUX describes itself as the Grand Duchy’s leading life insurer and the leader in occupational pensions, with more than 35,000 employees of some 2,000 companies covered by lalux-Staff Protect.
• Business: easyPROTECT PRO brings most business insurance (fleet, building, equipment and goods, professional and directors’ liability) together in one contract, with a single premium and renewal date; easyPRO Cyber and lalux-Safe Future, the supplementary pension for the self-employed, complete the range.

Reporting a claim

Car claims (with or without a third party) and home claims are reported online through the LALUX easyAPP or the easyAPP Home client area, which also give access to assistance services. By phone, the claims department answers on +352 4761-4761 for a claim involving a third party insured in Luxembourg and on +352 4761-6799 for a third party insured abroad; emergency assistance is on +352 44 88 88. For a covered car claim, LALUX pays repairers directly. Our advice on reporting a claim and filling in the accident report applies to every insurer.

Financial strength

According to its 2025 SFCRs, the LALUX group reports a solvency ratio of 207.45% at 31 December 2025 (223.03% a year earlier). By company: 194.04% for La Luxembourgeoise (non-life), 187.97% for La Luxembourgeoise-Vie and 353.46% for DKV Luxembourg.

Comparing LALUX

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