Foyer Assurances S.A.
Foyer
Foyer is a motor casco insurance for the Luxembourg market with online purchase and 24/7 assistance.
Direct payment
Foyer relies on a network of carefully selected partner garages for direct settlement and quality-assured repairs without the insured having to advance repair costs.
Geographic scope
Luxembourg
Coverage is valid in all countries where the international motor insurance card (green card) is valid, i.e. the countries listed on that card; the optional traffic-accident guarantee is valid worldwide.
Unique selling points
- The Zen formula bundles comprehensive at-fault casco cover and the automatic Mobility Joker into a single flagship package, preferred by 68% of Foyer's Luxembourg clients.
- Protected Driver cover extends bodily-injury protection beyond the car to cycling, scooter and public-transport journeys.
- Vehicles can keep an option to be reimbursed at purchase/replacement value for up to three years instead of depreciating annually, in the event of theft or write-off.
- Direct settlement with a curated partner-garage network means customers don't have to advance repair costs.
- A replacement-vehicle option provides 5-15 days of cover after an accident, extendable to 30-60 days if the car is stolen or written off.
Coverage limits
Own damage (at-fault accident cover)
Conditional
No limit stated
Only in Zen
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.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
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).
New-for-old total loss/write-off replacement value
Optional
No limit stated
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.
Partial loss / partial damage
Not established from the reviewed documents
Not itemized as a separate guarantee in the IPID; partial damage to the insured vehicle appears to be addressed through the same 'Dégâts matériels' (material damage) base guarantee as own damage, but the document does not state this explicitly.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
Les garanties de base : ... Dégâts matériels ...
Theft / robbery
Conditional
No limit stated
Theft ('Vol') is listed as a base guarantee in the Zen formula's IPID; a tied-agent page separately describes the Protection formula as covering theft alongside animal collision, glass breakage, fire and weather damage.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
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).
Glass breakage
Conditional
No limit stated
Glass breakage ('Bris de glaces', excluding motorcycles) is listed as a base guarantee in the Zen formula's IPID; described elsewhere as included as standard from the Protection formula upward.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
Les garanties de base : ... Bris de glaces (sauf moto) ...
Natural perils / exceptional weather damage
Conditional
No limit stated
'Forces de la nature' (natural forces) and 'Collision avec un animal' (animal collision) are both listed as base guarantees in the Zen formula's IPID; a tied-agent page attributes this cover to the Protection formula upward.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
Les garanties de base : ... Forces de la nature, Collision avec un animal ...
Vandalism
Conditional
No limit stated
Vandalism is not named as a separate base guarantee in the Zen formula's IPID; a tied-agent page lists vandalism among the perils covered by the Protection plan, suggesting it may be folded into the 'Dégâts matériels' guarantee.
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.
Roadside assistance
Optional
No limit stated
The Zen formula's own IPID lists 'Assistance' and 'Assistance panne' among the optional guarantees (which can vary by vehicle type), not the base guarantees; tied-agent marketing pages describe 24/7 assistance in more inclusive terms, so this cover is treated as optional per the primary contractual document.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
Les garanties optionnelles : Protection juridique ou Défense et recours, Assistance, Mobilité, Effets personnels transportés, Conducteur protégé...
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.
Protected Driver cover (bodily injury)
Optional
No limit stated
'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.
Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
Les garanties optionnelles : Protection juridique ou Défense et recours, Assistance, Mobilité, Effets personnels transportés, Conducteur protégé, Occupants protégés...
Key conditions
Repair network requirements
Foyer relies on a network of carefully selected partner garages for direct settlement, combining expertise and high-end services, so the insured does not need to advance repair costs.
SourceFoyer relies on a network of carefully selected partner garages, combining expertise and high-end services.
Territorial scope
Guarantees are valid in all countries where the international motor insurance card is valid (countries listed on that card); the optional traffic-accident guarantee is valid worldwide.
SourcePage 2Section: Document d'information sur le produit d'assurance > Où suis-je couvert(e)?
Les garanties souscrites sont valables dans tous les pays où la carte internationale d'assurance automobile est valide (pays mentionnés sur la carte internationale d'assurance automobile). La garantie optionnelle Accident de la circulation est valable dans le monde entier.
Claim notification deadline
The policyholder must inform the insurer of any claim as soon as possible and in any case within eight days of its occurrence, and must promptly provide all useful information and answer all requests needed to determine the circumstances and extent of the damage.
SourcePage 2Section: Document d'information sur le produit d'assurance > Quelles sont mes obligations ?
Vous devez dès que possible et en tout cas dans les huit jours de sa survenance, informer l'assureur de tout sinistre.
Deductible rules
The IPID states that different limits and deductibles apply per guarantee, without specifying amounts, and refers the policyholder to the contractual documents for details.
SourcePage 1Section: Document d'information sur le produit d'assurance > Qu'est ce qui est assuré ?
Disclaimer : différentes limites par garantie et franchises sont applicables. Pour plus d'informations, consultez les documents contractuels.
Where to buy
Policy specifics
Comprehensive Casco (Own Damage) Coverage
Full comprehensive damage coverage including at-fault accidents, available in Zen and Special formulas of mobilé
SourceNew-for-Old Replacement Value (3-Year Guarantee)
Vehicle receives replacement value instead of depreciated value for up to three years in theft or total loss cases
SourceMobility Joker - Free Taxi Journeys
Three free taxi or safe driver journeys per year up to 70 km when unable to drive safely due to fatigue or over legal alcohol limit
SourceDirect settlement with partner garage network
Foyer relies on a network of carefully selected partner garages, combining expertise and high-end services, for direct settlement without the insured advancing repair costs.
SourceReplacement Vehicle Provision Duration
Optional replacement vehicle provided for 5-15 days following an accident, extendable to 30-60 days if the vehicle is stolen or beyond repair.
SourcePartner Garage Network with Direct Settlement
Foyer maintains network of carefully selected partner garages for direct settlement - insured does not advance repair costs
SourceProtected Driver - Multi-Modal Coverage
Optional coverage protecting driver for bodily injuries in road accidents AND extends to bicycle, scooter, public transport journeys
SourceInternational Green Card Coverage
International insurance certificate automatically issued; extends third-party liability to all green card member countries
SourceNo Bonus-Malus Penalty for Animal Collisions
Foyer does not apply bonus-malus penalty for collisions with wild or stray animals, unlike other Luxembourg insurers
SourceMulti-modal driver protection
Protected Driver cover extends personal injury protection beyond the car to bicycle, scooter, and public transport journeys.
Source