Casco (own-damage car insurance) — Luxembourg

[1] Own damage: Conditional ↩

The 'Dégâts matériels' guarantee covers accidental damage to the insured vehicle and its equipment. It is automatically included in the Intégrale formula but is not available at all (not even as an add-on) under the Essentielle formula.

[2] Total loss: Conditional ↩

In case of total loss under the Dégâts Matériels guarantee (Intégrale formula only), compensation is based on the replacement value needed in Luxembourg to replace the vehicle with one of the same age, mileage, type and options.

[3] Partial loss: Conditional ↩

Partial damage to the vehicle is covered under the same 'Dégâts matériels' guarantee, included only in the Intégrale formula; accessories and specific fittings are depreciated at 10% per year (max 80%) when valuing replacement.

[4] Theft & robbery: Conditional ↩

Theft cover is part of the 'Pack Dommages'. It is included by default in the Intégrale formula and available as an optional add-on under the Essentielle formula.

[5] Glass damage: Conditional ↩

Glass breakage cover is part of the 'Pack Dommages'. It is included by default in the Intégrale formula and available as an optional add-on under the Essentielle formula.

[6] Natural perils: Conditional ↩

Fire, natural forces (storm, hail, flooding, etc.) and animal collision are part of the 'Pack Dommages'. Included by default in the Intégrale formula and available as optional add-ons under the Essentielle formula.

[7] Vandalism: See details ↩

Not explicitly listed as a separate guarantee in the available sources.

[8] Roadside assistance: Unlimited ↩

Assistance and breakdown assistance are included as standard guarantees in both the Essentielle and Intégrale formulas, available round the clock in Luxembourg and abroad.

[9] Replacement vehicle: 30 days – 60 days ↩

Optional 'Pack Mobilité' provides a replacement vehicle for a fixed duration known at subscription, available in 3 levels: max 30, 45 or 60 days, in both the Essentielle and Intégrale formulas.

[10] Driver accident: Covered ↩

The 'Conducteur Protégé' guarantee covers the driver's own bodily injuries following a road accident, whether or not the driver is at fault, and is included automatically in both the Essentielle and Intégrale formulas.

Elle vous couvre, en tant que conducteur, pour les dommages corporels que vous subissez lors d'un accident de la route, que vous soyez responsable ou non.

[11] Own damage: Conditional ↩

Full at-fault own-damage cover ('Dégâts matériels') is listed as a base guarantee only in the mobilé Zen formula's own IPID; the other formulas (Essentiel, Protection, Special, Clima) are mini-casco tiers not confirmed to include at-fault damage as standard.

Les garanties de base : Responsabilité civile, Incendie, Vol, Bris de glaces (sauf moto), Forces de la nature, Collision avec un animal, Dégâts matériels, Joker Mobilité (uniquement voiture).

[12] Total loss: Optional ↩

Optional 'value+/purchase price' cover reimburses the vehicle at its purchase or new price instead of depreciated value for up to three years (or 90,000 km) after first registration, in case of theft or total loss; sold as one of Foyer's car-insurance options rather than bundled automatically into one specific formula.

Your car retains its purchase or replacement value. Instead of depreciating each year, until your car is three years old, you will receive the best possible compensation in the event of theft or write-off.

[13] Partial loss: Not established from the reviewed documents ↩

The IPID lists 'Dégâts matériels' (material damage) among the base guarantees; it does not list partial damage as a separate guarantee.

Les garanties de base : ... Dégâts matériels ...

[14] Theft & robbery: Conditional ↩

The IPID lists theft ('Vol') among the base guarantees.

Les garanties de base : Responsabilité civile, Incendie, Vol, Bris de glaces (sauf moto), Forces de la nature, Collision avec un animal, Dégâts matériels, Joker Mobilité (uniquement voiture).

[15] Glass damage: Conditional ↩

The IPID lists glass breakage ('Bris de glaces', excluding motorcycles) among the base guarantees.

Les garanties de base : ... Bris de glaces (sauf moto) ...

[16] Natural perils: Conditional ↩

The IPID lists 'Forces de la nature' (natural perils) and 'Collision avec un animal' (animal collision) among the base guarantees.

Les garanties de base : ... Forces de la nature, Collision avec un animal ...

[17] Vandalism: Conditional ↩

The IPID does not name vandalism as a separate base guarantee; Foyer's product page lists vandalism among the perils covered under the Protection plan.

The Protection plan protects you in case of collisions with animals, glass breakage, fires, electrical damages, exceptional damages linked to weather conditions, vandalism or theft.

[18] Roadside assistance: Optional ↩

The IPID lists 'Assistance' and 'Assistance panne' among the optional guarantees, not the base guarantees.

Les garanties optionnelles : Protection juridique ou Défense et recours, Assistance, Mobilité, Effets personnels transportés, Conducteur protégé...

[19] Replacement vehicle: Optional ↩

The Zen formula's IPID lists 'Mobilité' among the optional guarantees; Foyer's own product page confirms it as one of nine selectable options providing a replacement vehicle for 5 to 15 days, extendable to 30-60 days if the vehicle is stolen or beyond repair.

Depending on your insurance plan, we provide you with a replacement vehicle for a period of 5 to 15 days, which can be extended to 30 to 60 days if your car has been stolen or is beyond repair.

[20] Driver accident: Optional ↩

'Conducteur protégé' is listed as an optional guarantee in the Zen formula's IPID, protecting the named driver for bodily injuries in road accidents whether at-fault or not; Foyer's product pages describe it as also extending to bicycle, scooter and public-transport journeys. No official source in this review states a specific monetary ceiling.

Les garanties optionnelles : Protection juridique ou Défense et recours, Assistance, Mobilité, Effets personnels transportés, Conducteur protégé, Occupants protégés...

[21] Own damage: Covered ↩

Covers material damage to the insured vehicle caused by accident, third-party act, or non-excluded natural events, whether the vehicle is being driven, parked or in a garage. Included as a base guarantee from the Comfort formula onward (Confort/Performance); under the Sécurité formula only the complementary 'Perte Totale' (total loss) guarantee can be added against extra premium.

les dégâts matériels causés au véhicule assuré par accident, par fait accidentel, par fait de tiers ou par des éléments naturels non expressément exclus, lorsque le véhicule se trouve en circulation, en stationnement ou au garage ;

[22] Total loss: Conditional ↩

Applies when the insured vehicle is declared economically or technically irreparable following an event covered by Fire, Theft, Glass Breakage, Collision with an Animal, Forces of Nature or Damage to the Vehicle guarantees, or when a stolen vehicle is not recovered within 30 days. Included within 'Dégâts au véhicule' from the Comfort formula onward; available as an optional complementary guarantee (extra premium) under the Sécurité formula.

La garantie n est applicable qu en cas de « Perte Totale » du véhicule assuré ayant subi un dommage à la suite d un des événements stipulés dans l une des garanties Incendie, Vol, Bris de glaces, Collision avec un animal errant, Forces de la nature ou Dégâts au véhicule conformément aux dispositions régissant ces garanties.

[23] Partial loss: Covered ↩

Repairable material damage to the insured vehicle is covered under the same 'Dégâts au véhicule' guarantee as own-damage/total-loss cover; included from the Comfort formula onward. Indemnity is based on the repair estimate/invoice or contradictory expert appraisal, capped at the difference between replacement value and salvage value.

Lorsque le véhicule et/ou les options, les accessoires et le matériel audiovisuel ou de transmission sont réparables, l'indemnité sera déterminée soit sur base du devis ou des factures de réparation, soit sur base de l'expertise... L'indemnité à payer par la Compagnie ne peut toutefois dépasser la différence entre la valeur de remplacement et la valeur de récupération.

[24] Theft & robbery: Covered ↩

Covers theft, attempted theft, and resulting destruction/deterioration of the insured vehicle, including car-jacking and home-jacking; for Type 1 vehicles also covers replacement of keys/locks and repair of the anti-theft system after an attempted theft. Included as a base guarantee of the Sécurité formula (and therefore also in Confort and Performance, which include Sécurité's base guarantees).

Sont assurés les dommages survenus au véhicule assuré et causés par: 1. Pour tous les véhicules: a. le vol ; b. la destruction ou la détérioration par le fait de voleurs même en cas de simple tentative de vol.

[25] Glass damage: Covered ↩

Covers breakage of windscreens, sunroofs, side windows and rear windows; for Type 1 vehicles also covers chips/cracks and repair/replacement of headlights, mirrors and rain sensors. Included as a base guarantee of the Sécurité formula (and therefore also Confort and Performance).

pour tous les véhicules, le bris des pare-brises, des toits ouvrants, glaces latérales et lunettes arrières (y compris les antennes et vitres chauffantes incorporées) en verre ou en matière synthétique rigide.

[26] Natural perils: Conditional ↩

Covers material damage to the insured vehicle (Type 1 only) caused by landslides, rockfall, avalanche, snow weight, ice fall, storm, hail, cyclone, tornado, torrential rain, water runoff, sewer backflow, flooding, earthquake, volcanic eruption and tidal wave. Only available if the Glass Breakage guarantee has been subscribed.

Uniquement pour les véhicules de type 1 à condition que la garantie Bris de Glaces ait été souscrite. Les dégâts matériels directement causés au véhicule assuré et à ses accessoires sont assurés contre les dommages occasionnés du fait de: glissements de terrains, éboulement de rochers, chute de pierres, avalanche, poids de la neige, chute de glaçons, tempête, grêle, cyclone, tornade, pluies torrentielles, ruissellement, refoulement des égouts publics, inondation, tremblement de terre, éruption volcanique et raz de marée.

[27] Vandalism: Covered ↩

Damage caused by vandalism is explicitly covered for tyres under the Damage to the Vehicle guarantee (Confort/Performance formulas); general vandalism damage to the vehicle is otherwise covered as damage caused by a third-party act under the same guarantee.

les dégâts causés aux pneus, y compris ceux dus au vandalisme. Les crevaisons et les dégâts dus à l usure restent exclus ;

[28] Roadside assistance: €200 ↩

24/7 towing and assistance service (call +352 44 88 88) in the event of breakdown, accident or attempted theft immobilising the insured vehicle, or theft of the vehicle: towing in Luxembourg to the garage of choice, or to the nearest competent garage in the EU, Norway and Switzerland; repatriation of the vehicle and occupants; provision of a category B replacement vehicle for up to 5 days. Included free of charge with all formulas (Sécurité, Confort, Performance). If the assistance centre is not called, towing reimbursement is capped at 200 EUR.

La Compagnie organise et prend en charge le remorquage du véhicule: 1. au Luxembourg: jusqu au garage choisi par l assuré ; 2. dans l UE, en Norvège et en Suisse: jusqu au garage compétent le plus proche du lieu de l accident. A défaut d appel à la Compagnie, le montant maximal remboursé sera de 200 EUR.

[29] Replacement vehicle: Covered ↩

A category B replacement vehicle (or reimbursement of rental costs up to 30 EUR/day, max 10 days, or 50 EUR/day for an upper-category option) is provided when the insured vehicle is immobilised or stolen, in addition to the 5-day Top Assistance replacement vehicle. Maximum duration varies by formula/event per the brochure: glass breakage 2 days (Sécurité: +2 optional); breakdown 5 days (all formulas); accident 15 days (Sécurité: 5+10 with optional pack); total loss up to 35 days (Sécurité: 5+30); theft up to 60 days (Sécurité: 30+30). Requires the 'Dégâts au véhicule' guarantee (Confort/Performance) or optional prolongation packs (Sécurité). Fuel, toll and supplementary insurance costs are excluded. Note: the 2017 Conditions Générales cap the reimbursement of a rental-car deductible incurred abroad at 1 000 EUR, while the 01/2025 brochure states 2 000 EUR for this related but distinct sub-benefit.

La Compagnie rembourse, sur base de justificatifs, les frais de location à concurrence d un montant de 30 EUR par jour, conformément aux dispositions du paragraphe « Durée des prestations » et ce pour une durée maximum de 10 jours.

[30] Driver accident: Optional ↩

Optional accessory guarantees compensating the driver for bodily injury or death resulting from a road accident (Garantie Conducteur 'Formule A', and Garantie Accident – Death, Invalidity and Medical Expenses of the insured driver and/or family), available for Type 1 vehicles (and vans for Garantie Conducteur) under all three formulas. The insured sum is fixed in the Conditions Particulières and is not disclosed in the general terms or marketing sources.

Garanties applicables uniquement aux véhicules de type 1 et aux camionnettes.