Foyer Casco (own-damage car insurance) (Mobile)
Underwritten by Foyer · Luxembourg
casco (own-damage car insurance) from Foyer for the Luxembourg market, with online purchase and 24/7 assistance.
Verified Sep 10, 2026 · Terms dated 2025-01Sources
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.
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
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
The IPID lists 'Dégâts matériels' (material damage) among the base guarantees; it does not list partial damage as a separate guarantee.
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
The IPID lists theft ('Vol') among the base guarantees.
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
The IPID lists glass breakage ('Bris de glaces', excluding motorcycles) among the base guarantees.
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
The IPID lists 'Forces de la nature' (natural perils) and 'Collision avec un animal' (animal collision) among the base guarantees.
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
The IPID does not name vandalism as a separate base guarantee; Foyer's product page lists vandalism among the perils covered under the Protection plan.
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 IPID lists 'Assistance' and 'Assistance panne' among the optional guarantees, not the base guarantees.
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.
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.
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.
Territorial scope
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.
Documents
IPID - Assurance Auto mobilé, Formule Zen (Edition 01/2025) (opens in a new tab)
Product information sheet · PDF
IPID hub - mobilé car insurance (all M20 formulas) (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions portal (customer login required) (opens in a new tab)
Terms & conditions · PDF
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
SourceSection: Options
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.
Mobility 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
SourceSection: Mobility Joker
Coverage included in the mobilé Zen option (only for contracts taken out from 25 January 2021 or if the guarantee is mentioned in your contract) & Gold , within the limit of three free trips/year and not exceeding 70 km.
Direct 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.
SourceSection: Our tailor-made solutions for your vehicle > Partner garages
Foyer relies on a network of carefully selected partner garages, combining expertise and high-end services. Spread across the region, they guarantee quality, trust and satisfaction with every service.
Replacement 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.
SourceSection: Options
Had an accident? 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.
Partner 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
SourceSection: Options
As the driver of the vehicle, you are compensated in the event of injury or disability. Better! You are also protected when you travel – by bicycle, scooter, public transport, etc.
International 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 a bonus-malus penalty for collisions with wild or stray animals.
SourceMulti-modal driver protection
Protected Driver cover extends personal injury protection beyond the car to bicycle, scooter, and public transport journeys.
SourceSection: Car insurance that follows you everywhere
Our “protected driver” cover means that our car insurance supports you at every stage of your journey, even on a bicycle, a scooter or even on public transport.
Sources
- foyer-lux-assurances.luhttps://www.foyer-lux-assurances.lu/en/assurance-auto(opens in a new tab)
- foyer.luhttps://www.foyer.lu/en/assistance/(opens in a new tab)
- foyer.luhttps://www.foyer.lu/en/individual/vehicle-insurance/(opens in a new tab)
- foyer.luhttps://www.foyer.lu/en/individual/vehicle-insurance/car-insurance/(opens in a new tab)
Foyer Casco (own-damage car insurance)