Motor casco
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| Feature / category | AXA Jun 2, 2026 Open details | Baloise Jun 2, 2026 Open details | mobilé Jun 2, 2026 Open details | iptiQ Jun 2, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | AXA Assurances Luxembourg S.A. | Baloise Assurances Luxembourg S.A. / Baloise Vie Luxembourg S.A. | Foyer Assurances S.A. | iptiQ Life S.A. |
Online purchase | No | No | Yes | No |
24/7 helpline | Yes | Yes | Yes | Not available |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | IPID | Not available |
Terms & conditions | Not available | |||
| Coverage | ||||
Own damage | unlimited | Covered | unlimited | Fully comprehensive Casco insurance covers all material damage to the insured vehicle, regardless of the cause of the accident and even if the policyholder is entirely at fault. This includes single-vehicle accidents (hitting a tree, wall, post, or veering off the road), collisions with identified or unidentified third parties, damage while parking, and damage caused by martens/stone martens. A key Luxembourg market feature: no standard excess applies by default — if the claim is covered, the insured is reimbursed in full, unless the policyholder has expressly requested an excess to reduce their premium. |
Total loss | unlimited | Optional | Optional | Total loss (perte totale) cover applies when the insured vehicle is declared economically beyond repair (economically irreparable) following a covered event. This may arise from an accident, theft, fire, glass damage, natural perils, or collision with an animal. An optional new-for-old value (valeur à neuf) guarantee can be added, allowing reimbursement at the original purchase price; this is particularly relevant for new or recent vehicles. Depending on the insurer, compensation may be at purchase value, expert-assessed market value, or with an uplift on replacement value. |
Partial loss | unlimited | Covered | unlimited | Partial loss covers damage that is repairable, where the vehicle is not declared a total loss. Casco (comprehensive) policies cover all material damage to the vehicle body and accessories, including at-fault accidents, vandalism, marten damage, misfuelling, and tyre damage. Mini Casco (partial Casco) policies cover only external/uncontrollable risks: theft, fire, glass damage, natural events, and animal collisions — but not at-fault accident damage. |
Theft & robbery | unlimited | Covered | unlimited | Theft and robbery (vol, carjacking, home-jacking) are covered under both Mini Casco and full Casco policies in Luxembourg. Coverage typically includes theft by break-in, electronic key hacking, carjacking, and home-jacking. Replacement of wheels, tyres, hub caps, keys, and locks, as well as repair of anti-theft systems, is generally included. A replacement vehicle is usually provided for up to 60 days in the event of theft. |
Glass damage | €750 | Covered | unlimited | Glass damage (bris de glaces) is a standard guarantee included from the Mini Casco level upwards. In Luxembourg, the scope of glass cover is broader than in neighbouring countries: rear-view mirrors and rear lights are typically treated as glass breakage, in addition to the windscreen, side windows, rear screen, and sunroof. Some insurers (e.g. LALUX) also include headlights (including xenon) and sun visors. Glass damage cover is required for the animal collision and natural perils guarantees to be triggered under Mini Casco policies. |
Natural perils | unlimited | Covered | unlimited | Natural perils (forces de la nature) are covered from the Mini Casco level onwards. Covered events include: falling rocks, storms, hail, and similar weather events. Flooding and other climate events such as hailstorms are also covered. This guarantee is contingent on the glass damage cover being subscribed at Mini Casco level. |
Vandalism | unlimited | Covered | unlimited | Vandalism coverage is included in full Casco (comprehensive) policies but is not covered under Mini Casco. Vandalism cover protects against wilful malicious acts causing damage to the vehicle, including tyre damage caused by vandalism. |
Roadside assistance | €350 | Covered | Optional | Roadside assistance (assistance panne/dépannage) includes 24/7 breakdown and towing service following a breakdown or accident immobilising the vehicle, applicable in Luxembourg, at the insured’s home address, and abroad. This includes vehicle and occupant assistance and repatriation. Assistance cover is not always included by default and may need to be specifically requested or is included as a package. Note: At AXA Luxembourg, breakdown assistance is not included unless specifically requested. |
Replacement vehicle | €55 | Optional | Optional | A replacement vehicle (véhicule de remplacement/courtoisie) is typically provided under comprehensive Casco policies. Standard provision is a category B vehicle (or equivalent per professional rental classification), rented from an insurer-approved rental company within the Grand Duchy of Luxembourg. Duration: up to 5 days for a breakdown, up to 15 days for a covered accident, and up to 60 days in the event of theft. Reimbursement is typically capped at EUR 30 per day for up to 10 days if the insured rents from a non-approved company. Fuel, tolls, and supplementary insurance costs are excluded. |
Driver accident | Optional | Covered | Optional | Driver accident protection (garantie conducteur protégé / garantie conducteur) is a supplementary guarantee and is not included by default in standard Luxembourg car insurance contracts. It covers the driver of the insured vehicle against bodily injury (death, disability, medical costs) in the event of an accident, including when the driver is at fault. This is considered essential since the driver is the only person not covered by standard third-party liability insurance. Baloise is noted as systematically including this guarantee in all its plans without extra option. |
| 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). | 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. | No specific age or experience restriction is stated for the mobilé Zen formula; the product is described as suitable for all drivers regardless of age or experience. Young driver-specific products are offered under the separate moov range. | Not found in the available sources. |
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). | 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. | All repairs must be carried out at a Foyer partner garage. Foyer maintains a network of carefully selected partner garages across Luxembourg and the region, selected for quality of workmanship, professionalism, and customer experience. | Not found in the available sources. |
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. | 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. | Coverage is valid in all countries listed on the international motor insurance certificate (green card). An at-fault accident abroad increases the RC bonus-malus level by +3, the same as for a claim in Luxembourg. | iptiQ EMEA P&C S.A. is incorporated in Luxembourg and authorised to conduct non-life insurance business under Luxembourg law; it operates branches in Germany, the Netherlands, Spain, Italy and Switzerland. Specific territorial scope for the casco product not found in the available sources. |
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). | 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. | No specific anti-theft device requirement is stated in publicly available sources for the mobilé Zen formula. Key reprogramming costs following key theft are covered depending on the chosen plan. | Not found in the available sources. |
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). | 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. | Claims must be reported to the insurer as soon as possible and in any case within eight days of the incident. All useful information and responses to requests to determine the circumstances and extent of damage must be provided without delay. | Not found in the available sources. |
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). | 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. | No excess (franchise) applies on comprehensive Casco policies in Luxembourg, including Foyer mobilé. This is a distinguishing feature of the Luxembourg market. The annual premium is payable once per year; instalment payment is possible subject to certain conditions and additional costs. | Not found in the available sources. |
| Proof and next steps | ||||
Direct payment policy | 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. | 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. | Foyer coordinates repairs through its network of partner garages and pays the garage directly. In the event of a total loss or theft, compensation is paid to the policyholder. No excess applies on Foyer mobilé comprehensive Casco plans. | Not found in the available sources. iptiQ operates a B2B2C white-label model; direct payment policies are determined by the distribution partner. |
Last verified | Jun 2, 2026 | Jun 2, 2026 | Jun 2, 2026 | Jun 2, 2026 |