LA LUXEMBOURGEOISE, Société Anonyme d'Assurances et de Placement
LALUX
LALUX is a motor casco insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
From the Comfort formula onward, LALUX directly settles the repair invoice with the repairer chosen by the policyholder.
Geographic scope
Luxembourg and a defined list of European countries
Cover for damage to the vehicle is valid in Luxembourg, Albania, Germany, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus, Croatia, Denmark (incl. Faroe Islands), Spain, Estonia, Vatican City, Finland, France, Greece, Hungary, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, North Macedonia, Malta, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, Romania, United Kingdom (incl. Channel Islands, Gibraltar, Isle of Man), San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Czechia and Turkey.
Unique selling points
- Market-exclusive Performance formula (Casco/Omnium) providing optimum protection against all types of damage with no unexpected costs.
- From the Comfort formula onward, full reimbursement is provided for guaranteed claims with no deductible reduction.
- No deductible for young drivers if declared as a driver on the policy.
- 24/7 breakdown and towing service in Luxembourg, at home, and abroad, with vehicle and occupant repatriation.
- Replacement vehicle guaranteed for up to 60 days in the event of theft.
Coverage limits
Damage to the vehicle (Casco)
Covered
Covers material damage to the insured vehicle caused by accident, third-party act, or non-excluded natural events, whether the vehicle is being driven, parked or in a garage. Included as a base guarantee from the Comfort formula onward (Confort/Performance); under the Sécurité formula only the complementary 'Perte Totale' (total loss) guarantee can be added against extra premium.
Total loss (Perte Totale)
Conditional
Applies when the insured vehicle is declared economically or technically irreparable following an event covered by Fire, Theft, Glass Breakage, Collision with an Animal, Forces of Nature or Damage to the Vehicle guarantees, or when a stolen vehicle is not recovered within 30 days. Included within 'Dégâts au véhicule' from the Comfort formula onward; available as an optional complementary guarantee (extra premium) under the Sécurité formula.
Partial damage to the vehicle
Covered
Repairable material damage to the insured vehicle is covered under the same 'Dégâts au véhicule' guarantee as own-damage/total-loss cover; included from the Comfort formula onward. Indemnity is based on the repair estimate/invoice or contradictory expert appraisal, capped at the difference between replacement value and salvage value.
Theft
Covered
Covers theft, attempted theft, and resulting destruction/deterioration of the insured vehicle, including car-jacking and home-jacking; for Type 1 vehicles also covers replacement of keys/locks and repair of the anti-theft system after an attempted theft. Included as a base guarantee of the Sécurité formula (and therefore also in Confort and Performance, which include Sécurité's base guarantees).
Glass breakage
Covered
Covers breakage of windscreens, sunroofs, side windows and rear windows; for Type 1 vehicles also covers chips/cracks and repair/replacement of headlights, mirrors and rain sensors. Included as a base guarantee of the Sécurité formula (and therefore also Confort and Performance).
Forces of nature
Conditional
Covers material damage to the insured vehicle (Type 1 only) caused by landslides, rockfall, avalanche, snow weight, ice fall, storm, hail, cyclone, tornado, torrential rain, water runoff, sewer backflow, flooding, earthquake, volcanic eruption and tidal wave. Only available if the Glass Breakage guarantee has been subscribed.
Vandalism
Covered
Damage caused by vandalism is explicitly covered for tyres under the Damage to the Vehicle guarantee (Confort/Performance formulas); general vandalism damage to the vehicle is otherwise covered as damage caused by a third-party act under the same guarantee.
Roadside assistance (Top Assistance)
Covered
24/7 towing and assistance service (call +352 44 88 88) in the event of breakdown, accident or attempted theft immobilising the insured vehicle, or theft of the vehicle: towing in Luxembourg to the garage of choice, or to the nearest competent garage in the EU, Norway and Switzerland; repatriation of the vehicle and occupants; provision of a category B replacement vehicle for up to 5 days. Included free of charge with all formulas (Sécurité, Confort, Performance). If the assistance centre is not called, towing reimbursement is capped at 200 EUR.
Replacement vehicle
Covered
A category B replacement vehicle (or reimbursement of rental costs up to 30 EUR/day, max 10 days, or 50 EUR/day for an upper-category option) is provided when the insured vehicle is immobilised or stolen, in addition to the 5-day Top Assistance replacement vehicle. Maximum duration varies by formula/event per the brochure: glass breakage 2 days (Sécurité: +2 optional); breakdown 5 days (all formulas); accident 15 days (Sécurité: 5+10 with optional pack); total loss up to 35 days (Sécurité: 5+30); theft up to 60 days (Sécurité: 30+30). Requires the 'Dégâts au véhicule' guarantee (Confort/Performance) or optional prolongation packs (Sécurité). Fuel, toll and supplementary insurance costs are excluded. Note: the 2017 Conditions Générales cap the reimbursement of a rental-car deductible incurred abroad at 1 000 EUR, while the 01/2025 brochure states 2 000 EUR for this related but distinct sub-benefit.
Driver accident cover (Driver Guarantee / Accident Guarantee)
Not offered
Optional accessory guarantees compensating the driver for bodily injury or death resulting from a road accident (Garantie Conducteur 'Formule A', and Garantie Accident – Death, Invalidity and Medical Expenses of the insured driver and/or family), available for Type 1 vehicles (and vans for Garantie Conducteur) under all three formulas. The insured sum is fixed in the Conditions Particulières and is not disclosed in the general terms or marketing sources.
Key conditions
Driver age and experience limit
For Type 1 vehicles, any claim under the Damage to the Vehicle guarantee caused by a driver under 26 years old who has held a licence for less than 2 years is subject to a 250 EUR deductible, unless the Conditions Particulières state that this deductible is waived because at least one driver under 26 is declared as a driver on one of the insured vehicles.
Repair network requirements
The policyholder is free to choose their own repairer. To benefit from direct provision of a replacement vehicle, it must be collected from and returned to a professional car-hire company approved by LALUX and located in Luxembourg; otherwise rental costs are reimbursed up to 30 EUR/day (10 days max).
Territorial scope
Cover for damage to the vehicle and for the Luggage and Personal Effects guarantee is valid in Luxembourg and a defined list of European countries (see geographic scope); civil liability is valid in countries whose national insurance bureaus are contractually linked to the Luxembourg Bureau.
Anti-theft requirements
Theft of the insured vehicle is not covered if it was parked on a public or private road with the ignition key left inside the vehicle or in one of its locks; theft, destruction or deterioration of items left inside the vehicle without any break-in is also excluded.
Claim notification deadline
Claims must generally be reported within 8 days of occurrence. In the event of theft, a complaint must be filed immediately with the police; compensation is only paid after a delay of at least 30 days following receipt of the written claim declaration, pending the outcome of the police investigation.
Deductible rules
For the casco guarantees (Bris de Glaces, Dégâts au véhicule, Perte Totale), deductibles are cumulative and cannot be removed: 2.5% of the new value (min 250 EUR, max 620 EUR) if the driver's blood alcohol level was at least 0.5 g/L or showed manifest signs of alcohol influence; 20% of the damage (min 620 EUR, max 2,500 EUR) if the vehicle was driven by someone other than the policyholder with a blood alcohol level of at least 1.2 g/L or showing manifest signs of intoxication. A separate 250 EUR deductible applies for young/inexperienced drivers. The insurer retains a right of recourse against the policyholder for deductible amounts.
Policy specifics
Bonus Protection for Casco Claims
With the Performance formula, your bonus is protected for material damage guaranteed through Casco; premium does not increase after covered claims
Replacement Vehicle Guarantee
Replacement vehicle provided for up to 5 days on breakdown, up to 15 days for covered accidents (Comfort/Performance), up to 60 days for theft
Forces of Nature Guarantee
Covers climate events such as hailstones and storms, included with Comfort formula onwards
Luggage and Personal Effects Coverage
Covers luggage, personal items, and luggage racks inside or attached to vehicle in case of theft or damage
Glass Breakage Coverage
Covers glass breakage and windscreen damage; included in Comfort formula
Theft and Fire Coverage
Covers theft and fire damage to vehicle; included with Comfort formula onwards
Collision with Animals Coverage
Covers material damage to vehicle from collision with roaming animals; Type 1 vehicles only with glass breakage coverage
Top Assistance Service
24/7 breakdown and towing service in Luxembourg and abroad (green card zone); includes vehicle and occupant repatriation
Claim Declaration Deadline
All claims must be declared within 8 days of occurrence and insurer agreement obtained before taking action
Tacit Contract Renewal
Contract is automatically renewed year-to-year unless cancelled by customer or company; cancellation requires registered letter 30 days before annual expiry
Free Lawyer Choice in Luxembourg
Insured has free choice of lawyer in Luxembourg; prior company agreement required for foreign lawyers
Young Driver Deductible Exemption
No deductible applied to vehicles insured under contract if at least one driver under 26 is declared as main driver
Full Reimbursement on Guaranteed Claim
From Comfort formula onwards, full reimbursement is provided for guaranteed claims with no deductible reduction
Deductible Limits
Deductibles are stated in particular conditions and cannot exceed specific limits; deductibles are not enforceable against injured third parties
Geographic Coverage - Vehicle Damage
Vehicle damage coverage applies in Luxembourg and extensive list of European countries listed in policy; subject to green card zone limitations
Premium Payment Terms
Amount due on annual notice is payable on first day of due month; monthly payment by direct debit available at no extra charge