In Luxembourg, only civil liability car insurance is compulsory for all drivers. Nevertheless, for more comprehensive protection for your vehicle, you can choose Casco insurance (All-Risk), known as “Tout-risque” insurance in France and “Omnium” in Belgium.  Offering a higher level of insurance, this extended cover against damage to your vehicle is included in the Performance formula of easyPROTECT Auto, providing you with outstanding protection for your vehicle and even your luggage, if you wish.

The driver is the only person who is never protected by their own Civil Liability Car Insurance. This means they must take out supplementary cover to receive financial aid in the event of an accident. Our insurance policies for drivers guarantee optimum protection, meaning you can drive with complete peace of mind.

It is also handy to know that the bonus-malus system in Luxembourg is divided into two parts: one for civil liability and the other for material damage. With the easyPROTECT Auto Performance formula, in the event of material damage only, your malus will remain unchanged and the damage to your vehicle will be covered without any impact on your premium. And with the Comfort formula, you are entitled to a joker: if you have not had a Casco claim for 3 years, your material damage premium will not increase at the time of the first Casco claim.

Although it is not compulsory, home insurance is strongly recommended. Note that the majority of owners will request it in order to cover material damage to the home while rented. As a tenant or an owner, this insurance provides a variety of options to insure much more than just your furniture, thus providing comprehensive protection for your home. Some insurance covers can even protect your travels, your bike or your solar panels, like easyPROTECT Home.

It is important to note that family liability insurance is not always included in home insurance like it is in France, so think about taking it out when you talk to your agent.

To supplement refunds for health care that is only partially covered or not covered at all by the National Health Fund (CNS), you can opt for complementary health insurance, covering hospital stays, eye and dental treatment as well as medical expenses incurred abroad.

If you’d like to optimise your future retirement income or protect your loved ones in the event of your death, then taking out a life insurance policy is a good option. The majority of these insurance policies are tax-deductible, meaning you can make tax savings each year.

Some insurance contributions and premiums are tax-deductible, up to the limits established by the law. This is applicable particularly to insurance premiums used to cover a person or their civil liability: civil liability vehicle insurance, civil liability home insurance, life insurance, insurance in the event of death, accident insurance, health insurance, retirement plan, etc. Find out how to pay less taxes while being at best insured. 

In Luxembourg, clients and insurance agents have a close relationship. They are present at all times and provide invaluable support to the client in the event of a claim. This close relationship makes communication easy and means the life of your insurance contracts is more efficiently handled.

Operating in Luxembourg for more than 100 years, LALUX gives you the largest network of agents in the country. There’s bound to be one near you who can speak your language. Their quality of service has been acknowledged for many years, with LALUX being voted the number one insurance company for quality of service. FInd the insurance agen closest to you. 

Although insurance premiums in Luxembourg may appear high, it's worth noting that excesses are extremely rare and claims are better compensated and more quickly processed. This means that you get better cover and increased peace of mind.

As an expat living in Luxembourg, you should understand the range of insurance options available and choose the ones that best meet your needs and suit your circumstances. By familiarising yourself with the Luxembourg insurance system and working in close collaboration with a trusted insurance agent, you’ll guarantee the right protection for yourself, your family and your belongings. An agent of LALUX, number 1 in customer satisfaction, will be delighted to answer your questions.