lalux, the first Luxembourgish insurance company since 1920.

This depends on your vehicle and usage.Sécurité : essential coverageConfort : extended protection (Casco)Performance : maximum coverage with additional benefits

Yes, auto liability insurance responsabilité civile auto is mandatory to drive in Luxembourg. It covers damages caused to third parties in case of an accident.

Fill out a amicable settlement report, contact your insurer quickly and follow your advisor's instructions.

Every new policyholder is classified at level 11 of the Bonus-Malus scale.For subsequent insurance years, the premium will vary as follows:the absence of a claim during an observation period while the insurance was in force results in a decrease of one level on the Bonus-Malus scale. The decrease ends at level -3, i.e., 45% of the base premium;every claim during an observation period results in a rise of 3 levels. The rise ends at level 22;however, the applicable level after four consecutive years without a claim can never be higher than 11.

CASCO is not mandatory under the law. However, if the car is subject to a rental contract (leasing) or if a consumer loan has been granted to finance the new car, the bank requires full coverage.However, subscribing to CASCO is justified for other reasons:if you are responsible for the accident yourself, the damage to your car is not compensated if there is no CASCO insurance;in the event of an accident abroad, CASCO allows for quick compensation;in the event of a hit-and-run, CASCO compensates the damage to your car;if responsibility is not defined, you do not have to wait for the end of a long legal process to obtain the repair of your damage. CASCO intervenes.

Driver's guarantee insurance is an indispensable element in every individual safety plan because:the driver is compensated as if another party (i.e., another driver) was fully responsible for the accident;its coverage is greater than that of Accident insurance, for which the coverage is freely determined by the insured;the Driver Guarantee compensates actual damage such as temporary or permanent physical integrity damage, economic loss resulting from temporary or permanent work incapacity, or caused to the family in case of the driver's death;it allows for full compensation of serious cases due to high sums insured;it includes as standard the indirect costs of a serious accident, including prosthesis costs, funeral expenses, etc.

You have established a trusted relationship with your mechanic and are satisfied with their services. In case of damage to your car, you wish to have it repaired by them. No problem! LALUX allows you the freedom of choice and does not impose a garage or repairer with whom a repair agreement is made.

Very often, victims of a traffic accident do not resort to renting a car. Even if the insurer does not pay them the predetermined allowances for such rental cars, it commits to claim all travel expenses from the insurer of the party responsible for the accident.These expenses are not advanced by your insurer but are part of the compensation that will be paid to you by the insurer of the responsible party.