AXA Assurances Luxembourg S.A.

Driver age and experience limit

A €1,250 deductible applies to material-damage claims when an accident is caused by a driver holding a licence for less than 3 years who was not declared in the Conditions Particulières. For the immobilizing-claim replacement vehicle benefit, the assigned driver must be over 25 years old and hold a licence adapted to the vehicle type for more than 1 year, with no licence suspension in the preceding year.

Repair network requirements

For non-immobilizing damage, AXA's partner garage picks up the vehicle, provides a replacement vehicle, and returns the repaired vehicle at a place/time chosen by the insured (in Luxembourg or within 30 km of the border); costs are settled directly with the repair network, avoiding upfront payment. The insured may instead choose another garage near the incident location, but reimbursement of self-arranged rentals is then capped at €35/day.

Territorial scope

Vehicle damage cover (Dommages au Véhicule) applies in: Germany, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus*, Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Italy, Ireland, Iceland, Latvia, Lithuania, Luxembourg, Malta, Morocco, Norway, Netherlands, Poland, Portugal, Slovakia, Czech Republic, Romania, United Kingdom, Serbia*, Montenegro, Slovenia, Sweden, Switzerland, Tunisia, Turkey, plus the principalities of Andorra and Monaco, Vatican City, Liechtenstein and San Marino (*Cyprus/Serbia limited to regions covered by the Green Card liability guarantee).

Anti-theft requirements

Theft cover is excluded if the vehicle and/or boot were not locked, or the windows not fully closed, or (for convertibles) the top not raised and locked — except in confirmed car-jacking or home-jacking cases. Theft cover is also void if the vehicle was left on a public road with its ignition key in place or stored inside it.

Claim notification deadline

General claim notification must be made to the Company as soon as possible and no later than 8 days after the event, barring force majeure. For theft, a complaint must be filed with the police immediately upon discovery, and the original police report must be provided to the Company.

Deductible rules

A deductible only applies to material-damage/theft claims if stated in the Conditions Particulières; multiple applicable deductibles are cumulative. A mandatory €1,250 deductible applies where an undeclared driver with less than 3 years' licence experience is at fault. As standard Luxembourg market practice, no excess is otherwise applied to Privilège material-damage claims by default. Short-circuit damage limited to the electrical system is capped at €1,250 regardless of any deductible.

New-for-Old Value Compensation

Vehicles under 36 months and under 90,000 km at time of total loss receive compensation at new replacement value; benefit gradually phases out between 37-84 months and becomes standard market value beyond 84 months

Section: 10 Special Conditions - Damage to vehicle > 10.5 Settlement of Losses > 10.5.4 Compensation > 10.5.4.1 Privilege formula

is less than 36 months old and has less than 90,000 km on the clock when the Loss occurs, the indemnification will be paid at As-new value; […] is more than 36 months and less than 84 months old, the conventional degressivity table mentioned in the Specific Conditions will apply. […] The indemnification will be at the pre-Loss value beyond the 84th month.

Electric Vehicle Charging Cable Theft Coverage

Removable charging cables and adapters for electric and hybrid vehicles covered against theft up to €1,000 under Privilège plan (€500 under Active + Mini Casco)

Replacement Vehicle Provision

For non-immobilizing damage: up to 10 consecutive days; for total loss or theft: up to 31 calendar days. No deposit required. Available automatically on Privilège plan

Section: 5 Special Conditions - Replacement Vehicle > 5.1 In the event of a Non-Immobilising Loss > 5.1.2 Scope of the cover

The replacement vehicle is made available only for the time taken for repairs as decided by the assessment report or in agreement with the Company and for a maximum of ten consecutive days. […] 10 consecutive calendar days; 31 consecutive calendar days in case of total Loss or Theft of the Insured vehicle belonging to Stataulux categories 11 to 17 (cars). […] the vehicles are made available to Insured without surety;

Material Damage Coverage – No Excess Standard

No excess typically applied on Casco (Privilège) material damage claims as standard in Luxembourg market; compulsory excess of €1,250 applies only if undeclared driver under 3 years experience causes accident

Section: 10 Special Conditions - Damage to vehicle > 10.3 Benefits > 10.3.6 Material damage > 10.3.6.2 Excess

An excess is only applied if this is stated in the Specific Conditions. […] If a Driver holding a licence for less than three years, who is not named in the Specific Conditions of the policy, is responsible for an Accident, an excess of €1,250 will apply.

Vandalism and Deliberate Damage Coverage

Partial or total deliberate destruction, degradation or deterioration of insured vehicle covered under material damage (Dégâts Matériels) guarantee of Privilège formula; includes tyre damage from vandalism

Section: 1 General lexicon

Partial or total destruction, damage or deterioration of the Insured vehicle committed deliberately. […] Material damage to the vehicle extended to the replacement vehicle belonging to a Third party, which for no more than one month from date to date, replaces the Insured vehicle that is temporarily unusable following any covered damage. […] damages caused to the tyres occurring: - jointly with other damage covered, - in case of vandalism;

Immediate Claims Payment (Direct Settlement)

With fully comprehensive Casco (Privilège plan), total cost of covered damage is paid immediately regardless of fault, on presentation of repair invoice; differs from third-party liability where reimbursement depends on third-party insurer cooperation

Pick-up & Delivery Service / Authorized Repair Network

For non-immobilizing damage, partner garage picks up vehicle, provides replacement, and returns repaired vehicle at location and time of insured's choice within Luxembourg or 30 km outside borders. Direct settlement with repair network operators applies

Geographical Coverage – Green Card Countries + EU Plus Extended List

Third-party liability, legal protection, accident/breakdown assistance: green card countries (agreement of 30 May 2002). Vehicle damage and full legal protection: EU countries plus Bosnia-Herzegovina, Cyprus, UK, Iceland, Morocco, Norway, Switzerland, Tunisia, Turkey, Montenegro, Serbia, Andorra, Monaco, Vatican, Liechtenstein, San Marino

Claims Prescription Period

Three-year prescription period for any action arising from insurance contract; runs from date of event giving rise to claim; prescription may be interrupted under certain circumstances

Family & Travel Assistance – Optional Add-on

Optional worldwide coverage including medical assistance, search and rescue, medical expenses up to €150,000, repatriation, and assistance for theft or loss of luggage during travels anywhere in world