Our methodology

Last updated: 19 October 2026

This page explains how the LuxAssurance comparisons and guides are built, where the figures come from, what we do not do, and how to report an error.

1. Sources

We only use public, identifiable sources:

• the insurers’ public documentation: general conditions, product information documents (IPID), product pages and online simulators;
• official texts and bodies: laws and regulations published on Legilux, the pages of the Luxembourg Inland Revenue (ACD), the CNS, the CCSS, the SNCA and the Commissariat aux Assurances, STATEC statistics;
• as a complement, public market guides, always cited as such.

Every guide and article ends with a “Sources” block listing the pages consulted and the date they were checked. Comparisons show their update date and the date of the price survey.

2. Insurers and products compared

The comparisons cover the insurers most present on the Luxembourg retail market, by line of business: Foyer, LALUX, AXA and Baloise for car, home, life and professional liability; CMCM, DKV, Foyer and AXA for top-up health cover; Cigna, Allianz Care and April for international cover. An insurer missing from a comparison is not judged inferior: it simply has not been documented yet. The list grows with each update. Six insurer profiles (CMCM, DKV, Foyer, LALUX, AXA, Baloise) describe each company’s ranges, services and claims process from its public documentation alone, with no rating and no ranking.

3. Comparison criteria

For each product we record the cover included and optional, the excesses, the ceilings, the notable exclusions, the associated services and, where published, the premium ranges. Where an insurer does not publish a piece of information, the cell shows “n/a”; we do not estimate it. Nor do we interpolate incomplete regulatory scales: for example, only the bonus-malus levels whose coefficient is documented are shown.

4. Prices

Price ranges are collected on a given date from the insurers’ public simulators and from the market guides cited, for the standard profiles described in each comparison. The current version relies on the August 2026 survey. These amounts are indicative: the real premium depends on your profile, the vehicle or the home, the options and the insurer’s pricing at the time you sign. Only a named quote is binding.

5. Simulators

Four tools accompany the guides: the bonus-malus simulator, the 111bis simulator, the CNS reimbursement calculator and the home insurance calculator. They apply the rules of the texts cited in each guide: the scale in article 11 of the Grand-Ducal Regulation of 11 November 2003 for the bonus-malus; articles 111, 111bis and 113 of the income tax law (L.I.R.) and the income tax scale for pension savings; the rates and contributions published by the CNS, and article 154bis of its statutes, for health care reimbursements. The home calculator applies no legal text: it starts from five published price benchmarks (two priced examples from AXA Luxembourg and the market ranges of our comparison), scales them to your area and says so when your case is far from them; it does not price options, for lack of a public source. The calculations run in your browser: nothing you enter is transmitted or stored. The results are indicative; only your insurer’s statement and your tax assessment are binding.

6. Independence

No insurer takes part in writing the comparisons, in choosing the products compared or in the order in which they appear. The pages carry no advertising and no third-party advertising trackers. Quote requests are forwarded to a single insurer licensed in Luxembourg, which sends you its quote under its own responsibility; you do not receive several proposals, and LuxAssurance does not sell any policy. The service is free for the user: LuxAssurance is paid by that partner insurer for the requests it forwards, and by no one else. The partner insurer is not named on the site; it may appear among the insurers compared, with no special treatment, and this remuneration plays no part in the choice of the products compared or in the order in which they appear.

7. Updates

Comparisons are reviewed at least once a year and after every significant regulatory or pricing change: a new tax ceiling, a reformed scale, an insurer overhauling a product range. The facts in the guides were fully re-checked against primary sources on 17 August 2026, then again during a full review of the site on 23 September 2026 and a review of time-sensitive figures (CNS, direct tax administration, STATEC, insurers) on 19 October 2026. The date shown on each page is that of its last substantive change.

8. Limits

• Our content is general information, not personalised advice: it does not take your particular situation into account.
• The final terms of a policy are the insurer’s, in its general and special conditions.
• The tax and social security rules cited are those in force on the verification date; they may change.
• The three language versions are written in parallel and adapted to their audience (German cross-border workers, English-speaking expatriates); where a figure differs, the primary source cited prevails.

9. Corrections

If you spot an error, outdated information or a missing source, write to contact@luxassurance.lu and name the page concerned. We check at the source, correct the page and refresh its update date. Reports concerning a figure or a rule are handled first.