AXA
AXA is a motor casco insurance for the LU market with no online purchase and 24/7 assistance.
Direct payment
For fully comprehensive Casco (Privilège plan), AXA pays the total cost of covered damage immediately regardless of fault, on presentation of the repair invoice. In the event of total loss, compensation is based on the pre-loss value (or new-for-old value for vehicles under 36 months and under 90,000 km). No excess applies unless specifically agreed in the special conditions.
Geographic scope
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Germany, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus (limited), 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 (limited), Montenegro, Slovenia, Sweden, Switzerland, Tunisia, Turkey, Andorra, Monaco, Vatican City, Liechtenstein, San Marino
Unique selling points
- New-for-old value compensation for vehicles under 36 months and under 90,000 km at the time of total loss, with no deductible applied by default on comprehensive claims.
- Joker Taxi service included in all plans — up to 3 taxi rides per year (within 70 km) when the driver is unfit to drive, available 24/7, a feature unique to AXA among Luxembourg car insurers.
- Automatic reduced premium for hybrid and electric vehicles on all OptiDrive plans, with EV battery covered as part of the insured vehicle value and charging cable theft reimbursed up to €1,000 on Privilège.
- Replacement vehicle provided for up to 31 calendar days in case of total loss or theft, with no deposit required for insureds holding Material Damage coverage.
- Optional pay-per-kilometre pricing (under 10,000 km/year) with no telematics black box required, delivering the full OptiDrive coverage at a mileage-adjusted premium.
Coverage limits
Material Damage (Own Damage – all causes)
Covered
Covers all accidental direct material damage to the insured vehicle caused by the policyholder's driver or by a third party, whether the policyholder is at fault or not. Includes damage caused by rodents, tyre damage when concurrent with other covered damage or due to vandalism, consequences of fuel errors (up to €1,500 excl. tank draining), and damage during rail, maritime, river or air transport up to 48 hours.
Total Loss / Write-off
Covered
In case of total technical or economic loss (where repair cost exceeds the difference between the pre-loss value and salvage value), the Privilège formula provides new-for-old value indemnification for vehicles under 36 months with fewer than 90,000 km at the time of the loss, subject to a declining conventional schedule between 37 and 84 months, and pre-loss value beyond 84 months. An optional Garantie Perte Totale add-on is also available under the Active + Mini-Casco formula.
Partial Loss (Accidental Damage – At-Fault and Not-At-Fault)
Covered
Covers partial accidental damage to the insured vehicle under the Privilège formula regardless of fault. The protection against declassification (Protection contre le déclassement) uses a threshold of 70% of the pre-loss value: if repair costs are below 70% of the pre-loss value the vehicle is repaired; if above 70% it remains declared a total loss. Extension without extra premium covers towing, transport, provisional storage, and disassembly costs up to €1,250 per covered claim.
Theft and Robbery (including Carjacking and Attempted Theft)
Covered
Covers theft, destruction or deterioration by thieves, including in cases of simple attempted theft of the insured vehicle and its special fittings and accessories; home-jacking or carjacking with or without violence; costs of replacing locks and/or changing anti-theft system codes in the event of key theft. A police report must be filed immediately. In the event of non-recovery within 30 days of the claim declaration, the pre-loss value is paid from day 31.
Glass Damage (Windscreen, Windows, Sunroof, Mirrors and Lights)
Covered
Covers breakage of windscreen, roof opening glazing, glass roofs, side windows and rear screen (including antennas, heated windows and rain sensors), in glass or rigid synthetic materials. Rear lights, front headlight units, interior and exterior mirrors and their covers are additionally covered up to €750 per claim, limited to their original factory installation. Glass breakage cover only applies if the glass is actually repaired or replaced. If the windscreen is repairable, the company covers replacement only up to the cost of repairs.
Natural Perils (Forces of Nature) and Animal Collision
Covered
Covers damage caused directly to the insured vehicle by covered natural events (rockfall, landslide, snow/ice pressure, avalanche, storm — wind speed ≥80 km/h or damaging other vehicles within 10 km radius — hurricane, hail, earthquake, volcanic eruption, flood or tidal wave), with no excess. Also covers damage from objects projected or overturned by a covered natural event. Additionally covers damage caused directly and solely by contact with an animal, confirmed by an expert assessment (damage from swerving to avoid an animal is excluded), also with no excess.
Vandalism (Malicious Damage)
Covered
Vandalism (partial or total deliberate destruction, degradation or deterioration of the insured vehicle) is covered under the material damage (Dégâts Matériels) guarantee of the Privilège formula. Tyre damage due to vandalism is also explicitly covered. Vandalism constitutes an "incident technique" for the purpose of accident assistance triggering.
Accident Assistance (24/7 Roadside Assistance)
Covered
Included automatically in all OptiDrive plans from the effective date of the Civil Liability cover. Covers towing/breakdown service in case of a technical incident in Luxembourg or abroad; if the vehicle cannot be repaired within 24 hours in Luxembourg or 5 working days abroad, the insurer organises and covers repatriation of the vehicle to the garage chosen by the insured near their home. If the insured does not call the service provider for towing, reimbursement is capped at €350 on production of original receipts. Also includes vehicle recovery after theft, storage costs up to €125, dispatch of spare parts abroad, and 24/7 information line. Maximum 3 interventions per insurance year.
Replacement Vehicle
Covered
Provided automatically from the effective date of the Civil Liability cover. For non-immobilising claims (material damage, fire, theft, glass breakage, animal collision): category B replacement vehicle provided for the repair duration up to 10 consecutive days (1 day only for glass breakage claims), or an indemnity of €20/day if the insured waives the vehicle, or reimbursement of rental costs up to €35/day if the insured rents elsewhere. For immobilising claims (via Accident or Breakdown Assistance): category B vehicle provided for up to 10 calendar days (or 31 calendar days in case of total loss or theft), intervention capped at €55/day. Territorial scope: Luxembourg only for non-immobilising; Luxembourg, EU, Switzerland and Norway for immobilising claims.
Driver Accident Protection (Protection or Sécurité du Conducteur)
Optional
Two optional add-ons available: (1) Protection du Conducteur – indemnifies the insured driver and their beneficiaries independently of liability for bodily injury, permanent disability or death resulting from an accident involving the insured vehicle. Guaranteed amounts per the special conditions. Coverage is worldwide. (2) Sécurité du Conducteur – indemnifies the full prejudice suffered by the insured driver (economic damage from permanent or temporary disability, aesthetic damage, third-party care, treatment costs, clothing damage) according to common law rules as if the accident occurred in Luxembourg. Both options must be subscribed separately.
Key conditions
driver_age_experience_limit
A driver holding a licence for less than 3 years who is not declared in the special conditions triggers a compulsory excess of €1,250 for material damage claims (section 10.3.6.2). The replacement vehicle for immobilising claims requires a principal driver aged over 25 at the time of provision, holding a valid licence adapted to the vehicle type for more than 1 year and not having had their licence suspended in the preceding year (section 5.2.2).
repair_network_requirements
For non-immobilising claims the replacement vehicle must be collected from and returned to the partner repair garage or an approved rental company designated by AXA. If the insured uses a different garage or rental company, rental costs are reimbursed up to €35/day on production of receipts (sections 5.1.2.1, 5.1.2.2). Repairs must be notified to AXA before commencement; AXA has 5 working days to object. Emergency repairs below €750 may proceed without prior AXA approval on production of a detailed invoice (section 10.5.1).
territorial_scope
Material damage guarantees apply in Luxembourg and in an extensive list of European and Mediterranean countries including Germany, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus (limited to green-card regions), Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Italy, Ireland, Iceland, Latvia, Lithuania, Malta, Morocco, Norway, Netherlands, Poland, Portugal, Slovakia, Czech Republic, Romania, United Kingdom, Serbia (limited), Montenegro, Slovenia, Sweden, Switzerland, Tunisia, Turkey, Andorra, Monaco, Vatican City, Liechtenstein and San Marino (section 10.1). The accident assistance applies in all countries where mandatory civil liability insurance is valid (green card countries). The replacement vehicle for immobilising claims is available in Luxembourg, EU, Switzerland and Norway.
anti_theft_requirements
Theft cover is excluded if the vehicle and/or boot were not locked or windows were not fully closed, unless it is a carjacking or home-jacking case with or without violence (section 10.3.5.3). The vehicle must not have been left with the ignition key on the public road or on a publicly accessible way. For the Joker Taxi key-loss service, the provider will not intervene if the vehicle is fitted with an anti-theft system that makes displacement impossible (section 4.4.3). For theft assistance benefit the insured must file a police complaint within 24 hours (section 3.3.4).
claim_notification_deadline
The insured must notify AXA of any claim as soon as possible and at the latest within 8 days, except in cases of force majeure (section 2.10.2). Before any repairs the policyholder must inform AXA of the estimated repair cost; AXA has 5 working days to object (section 10.5.1). In case of theft, the police complaint must be filed immediately (section 10.3.5.1). For travel assistance the event must be reported to the service provider immediately upon occurrence (section 6.1.3).
deductible_rules
No excess applies to material damage (Dégâts Matériels) claims unless an excess is expressly mentioned in the special conditions (section 10.3.6.2). Excesses are cumulative if multiple apply. A compulsory excess of €1,250 applies if a driver with less than 3 years' experience not declared in the special conditions causes an accident. For civil liability, an excess may be set in the special conditions but is capped at €1,500 per claim for individuals and €6,000 for legal entities, and is not enforceable against injured third parties (section 7.6). Natural perils and animal collision coverages are explicitly without excess (sections 10.3.3 and 10.3.4).
Where to buy
Documents
Conditions d'assurances OptiDrive – CA_OptiDrive_W07_16_Fr (Juillet 2016, French)
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Terms and Conditions of Insurance OptiDrive – CA_OptiDrive_W07_16_En (July 2016, English)
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Terms and Conditions of Insurance OptiDrive – CA_OptiDrive_W01_21_En (English, 2021 edition)
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Document d'information sur le produit d'assurance (IPID) OptiDrive – IPID_OptiDrive_W01_21FR
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Policy specifics
Electric vehicle battery coverage
Coverage for electric vehicle battery included in material damage (Dégâts Matériels) for theft or covered claims
Charging cable theft coverage
Coverage for stolen charging cables up to €500 on Active + Mini Casco plan and up to €1,000 on Privilège plan
Family & Travel Assistance option
Optional coverage for worldwide medical assistance, search and rescue, medical expenses up to €150,000, repatriation, and assistance for theft or loss of luggage
Joker Taxi service
Service included in all OptiDrive plans providing up to 3 taxi rides per year when policyholder is unfit to drive
Replacement vehicle provision
Provision of replacement vehicle for 10 days after non-immobilizing loss or 31 days in case of write-off
Pay-per-kilometer insurance
Optional mileage-based pricing for low-mileage drivers declaring a specific annual mileage band
Material damage coverage scope
Material damage (Dommages) covers all accidental damage to vehicle whether or not policyholder is at fault
Glass damage coverage
Coverage for windscreen, side windows, rear screen and sunroof glass damage as part of Mini Casco or Privilège options
Civil liability coverage scope
Mandatory third-party liability covers all property damage and personal injury caused to third parties in countries listed on insurance certificate
Excess or deductible policy
No excess typically applied on comprehensive (Casco) policies in Luxembourg market as standard practice
Theft coverage
Coverage for vehicle theft included in Mini Casco and Privilège options; includes attempted theft (vol tentée)
Accident Assistance service
24/7 breakdown and accident assistance included automatically in all OptiDrive car policies