Baloise
Baloise is a motor casco insurance for the LU market with no online purchase and 24/7 assistance.
Direct payment
Baloise organises and pays directly for assistance services (towing, roadside, vehicle repatriation) when the insured uses Baloise-approved service providers. If the insured arranges services independently, reimbursement is limited to the cost Baloise would have incurred with its approved partners.
Geographic scope
Grand-Duché de Luxembourg
Luxembourg et tous les pays mentionnés au dos de la Carte Internationale d'Assurance Automobile (anciennement carte verte)
Unique selling points
- Protected Driver Cover is included as standard in every Drive formula (including the base Essentielle), covering bodily injury even when at fault — a unique differentiator on the Luxembourg market where this is typically an optional add-on.
- 24/7 roadside assistance in Luxembourg and abroad is included in all Drive plans at no extra cost, accessible around the clock via the number on the International Motor Insurance Card.
- Replacement vehicle available for up to 60 days following an accident (optional Pack Mobilité), with three coverage levels and delivery to home or approved repairer — significantly above the market standard.
- Optional Material Damage Bonus Protection freezes the bonus-malus level after the first at-fault claim, protecting the insured's accumulated discount in Luxembourg's dual bonus-malus system.
- Vehicle modifications coverage (wrapping, suspension, professional fittings, accessories) is available via optional Pack Aménagement with guaranteed amounts up to 15,000 EUR — comprehensive protection for personalised vehicles.
Coverage limits
Material Damage (Own Damage)
Covered
Covers material damage to the insured vehicle resulting from a collision with a fixed or mobile body, or a road departure. Included in the Intégrale formula. Indemnification is based on the replacement value or agreed value stated in the policy schedule.
SourceTotal Loss / Vehicle Value Protection
Optional
Optional guarantee covering total loss of the insured vehicle. Includes protection of vehicle value (replacement value / vehicle buyback). Available as an optional pack (Pack Indemnisation) on both Essentielle and Intégrale formulas.
SourcePartial Loss (Material Damage)
Covered
Partial material damage to the insured vehicle is covered under the Dégâts Matériels guarantee included in the Intégrale formula. Indemnification is subject to any applicable deductible stated in the policy schedule.
SourceTheft and Robbery
Covered
Covers the theft, attempted theft, robbery or carjacking of the insured vehicle. Also covers theft of factory options and tyres under three years old. A police report must be filed immediately. Included in the Pack Dommages of the Intégrale formula.
SourceGlass Damage (Windscreen and Glazing)
Covered
Covers breakage of the windscreen, roof glazing and other vehicle glass panels. Included in the Pack Dommages of the Intégrale formula. Tax stickers or toll stickers on the windscreen that become unrecoverable are also covered.
SourceNatural Perils and Animal Collision
Covered
Covers damage caused by natural events (hail, storms, floods, etc.) and collision with animals. Included in the Pack Dommages of the Intégrale formula. Must be explicitly included in the chosen formula to be operative.
SourceVandalism
Conditional
Fire/RC Fire coverage applies only when the vehicle is parked in a private, non-publicly accessible space. Vandalism as a standalone peril is not explicitly listed in the Drive Intégrale product table; coverage may apply under material damage or fire clauses subject to the conditions in the policy schedule.
Source24/7 Roadside Assistance
Covered
24/7 roadside assistance included in all Drive formulas (Essentielle and Intégrale) at no extra cost, covering Luxembourg and abroad. Accessible via the number on the International Motor Insurance Card. Covers towing, vehicle repatriation, parts dispatch, and temporary storage pending repair.
SourceReplacement Vehicle (up to 60 days)
Optional
Optional replacement vehicle available following an accident, breakdown or glass damage event, for up to 60 days depending on the pack mobility level subscribed. Delivery to the insured's home or approved repairer in Luxembourg. Three pack levels available.
SourceProtected Driver Cover (Conducteur Protégé)
Covered
Covers bodily injury suffered by the driver of the insured vehicle in the event of an accident, including when the driver is at fault. Included in all Drive formulas (Essentielle and Intégrale) without any additional option required. Covers medical expenses, hospitalisation and compensation for permanent disability.
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age restriction found in the current Drive T&C (CG-DRIVE-LUFR-07-25). Any authorised driver may use the insured vehicle. Pricing may vary based on driver age and history as stated in the policy schedule.
repair_network_requirements
For replacement vehicle provision and repatriation services, the insured must use Baloise-approved service providers. If the insured arranges services independently, reimbursement is limited to the cost Baloise would have incurred with its approved partners.
territorial_scope
Coverage applies in Luxembourg and in all countries listed on the International Motor Insurance Card (Green Card), covering the EU/EEA and associated states. Additional coverage for extended trips abroad should be confirmed with the insurer.
anti_theft_requirements
For theft coverage, the insured must file a police report immediately with the competent judicial or police authorities. Theft resulting from embezzlement, breach of trust, or unauthorised use of the vehicle is excluded.
claim_notification_deadline
The insured must report a claim to the competent authorities within the useful deadlines indicated in the general and particular conditions. The insured must cooperate in transmitting all information and documents requested by the insurer, expert and/or lawyer.
deductible_rules
Deductibles apply as stated in the policy schedule. The Luxembourg insurance market commonly operates without deductibles on many contracts; however, specific deductible amounts per claim are defined in the particular conditions for each coverage type. An optional Material Damage Bonus Protection guarantee is available to maintain the bonus-malus level after the first at-fault claim.
Where to buy
Policy specifics
Material Damage Bonus Protection
Optional guarantee that maintains bonus-malus level unchanged after the first claim
Vehicle Modifications Coverage
Coverage for vehicle modifications such as wrapping, suspension, and other customizations
Limited Mileage Plan
Flexible plan available to all customers who drive less frequently
Protected Driver Cover
Covers bodily injury to the driver even when at fault in an accident, included in all Baloise plans
24/7 Roadside Assistance
Around-the-clock roadside assistance available both in Luxembourg and abroad
Baggage and Merchandise Coverage
Optional coverage for baggage and merchandise transported in the insured vehicle, including personal effects of the regular or authorised driver and persons living permanently under the same roof. Includes EV charging cable if stolen. Available under Pack Mobilité.
Territorial Coverage
Insurance applies only in Luxembourg and countries listed on the International Motor Insurance Card (green card)
Bonus-Malus System
Luxembourg-specific system where claim-free years reduce premium by 1 point; at-fault accidents increase by 3 points
Natural Events Coverage
Damages from hail, storms, floods and other natural disasters covered when relevant options are selected
Intégrale (Comprehensive) Plan Features
The Intégrale plan provides complete protection including theft, fire, glass breakage, natural events, animal collision, and material damage coverage
Baggage and Merchandise Coverage
Coverage for transported baggage and merchandise during transit in the insured vehicle
Taxi Coverage on Driver Incapacity
Taxi cover included when driver is unable to drive due to injury, limited to 2 times per year
Intégrale (Comprehensive) Plan Features
The Intégrale formula provides comprehensive protection including: RC, Défense et Recours, Conducteur Protégé, Assistance, Assistance Panne, Dégâts Matériels, and the full Pack Dommages (Incendie, Vol, Bris de Glaces, Forces de la Nature, Heurt d'Animaux). Optional packs (Indemnisation, Mobilité, Aménagement) enrich the coverage.