LALUX Casco (own-damage car insurance) (Easyprotect Auto Casco)
Underwritten by LA LUXEMBOURGEOISE Société Anonyme d'Assurances · Luxembourg
casco (own-damage car insurance) from LALUX for the Luxembourg market, with 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2017-05-15Sources
Unique selling points
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.
Section: Formule de souscription CONFORT > Garanties de base > 1. Dégâts au véhicule > 1.1 Dégâts au véhicule Garanties de base
les dégâts matériels causés au véhicule assuré par accident, par fait accidentel, par fait de tiers ou par des éléments naturels non expressément exclus, lorsque le véhicule se trouve en circulation, en stationnement ou au garage ;
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.
Section: Formule de souscription SÉCURITÉ > Garantie Complémentaire > 1. Garantie Perte Totale
La garantie n est applicable qu en cas de « Perte Totale » du véhicule assuré ayant subi un dommage à la suite d un des événements stipulés dans l une des garanties Incendie, Vol, Bris de glaces, Collision avec un animal errant, Forces de la nature ou Dégâts au véhicule conformément aux dispositions régissant ces garanties.
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.
Section: Formule de souscription CONFORT > Garanties de base > 1. Dégâts au véhicule > 1.1 Dégâts au véhicule Garanties de base
Lorsque le véhicule et/ou les options, les accessoires et le matériel audiovisuel ou de transmission sont réparables, l'indemnité sera déterminée soit sur base du devis ou des factures de réparation, soit sur base de l'expertise... L'indemnité à payer par la Compagnie ne peut toutefois dépasser la différence entre la valeur de remplacement et la valeur de récupération.
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).
Section: Formule de souscription SÉCURITÉ > Garanties de base > 2. Vol > 2.1 Vol - Garanties de base
Sont assurés les dommages survenus au véhicule assuré et causés par: 1. Pour tous les véhicules: a. le vol ; b. la destruction ou la détérioration par le fait de voleurs même en cas de simple tentative de vol.
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).
Section: Formule de souscription SÉCURITÉ > Garanties de base > 3. Bris de Glaces > 3.1 Bris de Glaces - Garanties de base
pour tous les véhicules, le bris des pare-brises, des toits ouvrants, glaces latérales et lunettes arrières (y compris les antennes et vitres chauffantes incorporées) en verre ou en matière synthétique rigide.
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.
Section: Formule de souscription SÉCURITÉ > Garanties de base > 5. Forces de la nature > 5.1 Forces de la nature Garanties de base
Uniquement pour les véhicules de type 1 à condition que la garantie Bris de Glaces ait été souscrite. Les dégâts matériels directement causés au véhicule assuré et à ses accessoires sont assurés contre les dommages occasionnés du fait de: glissements de terrains, éboulement de rochers, chute de pierres, avalanche, poids de la neige, chute de glaçons, tempête, grêle, cyclone, tornade, pluies torrentielles, ruissellement, refoulement des égouts publics, inondation, tremblement de terre, éruption volcanique et raz de marée.
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.
Section: Formule de souscription CONFORT > Garanties de base > 1. Dégâts au véhicule > 1.1 Dégâts au véhicule Garanties de base
les dégâts causés aux pneus, y compris ceux dus au vandalisme. Les crevaisons et les dégâts dus à l usure restent exclus ;
Roadside assistance (Top Assistance)
€200
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.
Section: Garanties en Assurance Automobile > 3. Top Assistance > 3.1 Top Assistance - Remorquage du véhicule assuré
La Compagnie organise et prend en charge le remorquage du véhicule: 1. au Luxembourg: jusqu au garage choisi par l assuré ; 2. dans l UE, en Norvège et en Suisse: jusqu au garage compétent le plus proche du lieu de l accident. A défaut d appel à la Compagnie, le montant maximal remboursé sera de 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.
Section: Formule de souscription CONFORT > 2. Véhicule de remplacement > 2.1 Véhicule de remplacement Garantie de base
La Compagnie rembourse, sur base de justificatifs, les frais de location à concurrence d un montant de 30 EUR par jour, conformément aux dispositions du paragraphe « Durée des prestations » et ce pour une durée maximum de 10 jours.
Driver accident cover (Driver Guarantee / Accident Guarantee)
Optional
No limit stated
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.
Section: Garanties Accessoires Optionnelles > 3. Garantie Conducteur « Formule A » > 3.1 Garantie Conducteur - Garanties de base
Garanties applicables uniquement aux véhicules de type 1 et aux camionnettes.
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).
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.
Direct payment
From the Comfort formula onward, LALUX directly settles the repair invoice with the repairer chosen by the policyholder.
Territorial scope
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.
Documents
General Terms and Conditions - easyPROTECT (15.05.2017) (opens in a new tab)
Terms & conditions · PDF
IPID - Motor Insurance, cars and camping vans (French) (opens in a new tab)
Product information sheet · PDF
IPID - Motor vehicle insurance, cars and camping vans (English) (opens in a new tab)
Product information sheet · PDF
easyPROTECT Auto brochure - formula comparison table (opens in a new tab)
Table of benefits · PDF
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
SourceWith the easyPROTECT Auto Performance formula, your bonus is protected for material damage that is guaranteed through Casco: in this case your premium shall not increase.
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
SourceSection: Replacement vehicle
Your mobility is guaranteed whatever happens: up to 5 days in the event of a breakdown , up to 15 days in the event of a covered accident , up to 60 days in the event of theft .
Forces of Nature Guarantee
Covers climate events such as hailstones and storms, included with Comfort formula onwards
SourceYes. The “forces of nature” guarantee, included with the Comfort formula, covers climate events such as hailstones and storms.
Luggage and Personal Effects Coverage
Covers luggage, personal items, and luggage racks inside or attached to vehicle in case of theft or damage
SourcePage 4Section: COMPARE THE FORMULAS
LUGGAGE AND PERSONAL EFFECTS Luggage rack, child seat, roof box contents, smartphone, satnav and personal items
Glass Breakage Coverage
Covers glass breakage and windscreen damage; included in Comfort formula
SourcePage 3Section: COMPAREZ LES FORMULES
PACK INCENDIE ET BRIS DE GLACES INCENDIE BRIS DE GLACES Réparation ou remplacement pare-brise, pare-soleils, toit ouvrant, rétroviseurs, phares
Theft and Fire Coverage
Covers theft and fire damage to vehicle; included with Comfort formula onwards
SourcePage 3Section: COMPARE THE FORMULAS
FIRE AND GLASS BREAKAGE PACK FIRE GLASS BREAKAGE
Collision with Animals Coverage
Covers material damage to vehicle from collision with roaming animals; Type 1 vehicles only with glass breakage coverage
SourceClause 4.1Page PAGE 11/92Section: Formule de souscription SÉCURITÉ > Garanties de base > 4. Collision avec un animal errant > 4.1 Collision avec un animal errant Garanties de base
Uniquement pour les véhicules de type 1 à condition que la garantie Bris de Glaces ait été souscrite: Les dégâts matériels directement causés au véhicule assuré et à ses accessoires consécutifs à la collision avec un animal errant.
Top Assistance Service
24/7 breakdown and towing service in Luxembourg and abroad (green card zone); includes vehicle and occupant repatriation
SourcePage 5Section: VOS AVANTAGES
TOP ASSISTANCE GRATUITE 7J/7 ET 24H/24 En cas de panne ou d'accident immobilisant votre véhicule, vous êtes remorqué 24h/24 et 7j/7 au Luxembourg, y compris à domicile, et à l'étranger, dans tous les pays de la zone carte verte.
Claim Declaration Deadline
All claims must be declared within 8 days of occurrence and insurer agreement obtained before taking action
SourcePage 2Section: Quelles sont mes obligations?
Déclarer tout sinistre dans les 8 jours de sa survenance et obtenir l’accord de la compagnie avant toute action engageant son intervention
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
SourcePage 2Section: Comment puis-je résilier le contrat?
La résiliation est à demander par lettre recommandée 30 jours avant la date d’échéance annuelle du contrat, dans le mois suivant la résiliation d’une garantie ou d’un autre contrat par la compagnie après sinistre ou dans les 60 jours après une augmentation de tarif notifiée par la compagnie
Free Lawyer Choice in Luxembourg
Insured has free choice of lawyer in Luxembourg; prior company agreement required for foreign lawyers
SourcePage 2Section: Quelles sont mes obligations? > Spécificités par garantie
Protection juridique Libre choix de l’avocat à Luxembourg. A l’étranger, un accord préalable de la compagnie est nécessaire
Young Driver Deductible Exemption
No deductible applied to vehicles insured under contract if at least one driver under 26 is declared as main driver
SourceAbsence de franchise pour jeune conducteur, si celui-ci est mentionné comme conducteur dans le contrat.
Full Reimbursement on Guaranteed Claim
From Comfort formula onwards, full reimbursement is provided for guaranteed claims with no deductible reduction
SourceSection: No deductibles in the event of a covered claim
From the Comfort formula onwards, benefit from full reimbursement in the event of a guaranteed claim.
Deductible Limits
Deductibles are stated in particular conditions and cannot exceed specific limits; deductibles are not enforceable against injured third parties
SourceClause 1.7Page PAGE 5/92Section: Garanties en Assurance Automobile > 1. Responsabilité civile > 1.7 Responsabilité civile - Franchises
Les franchises prévues sont inopposables aux personnes lésées. La Compagnie garde cependant un recours contre le preneur d assurance.
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
SourcePage 2Section: Où suis-je couvert(e)?
Dégâts au véhicule et Bagages : Luxembourg, Albanie, Allemagne, Andorre, Autriche, Belgique, Bosnie-Herzégovine, Bulgarie, Chypre, Croatie, Danemark (et les îles Féroé), Espagne, Estonie, État du Vatican, Finlande, France, Grèce, Hongrie, Irlande, Islande, Italie, Lettonie, Liechtenstein, Lituanie, Macédoine (F.Y.R.O.M), Malte, Monaco, Monténégro, Norvège, Pays-Bas, Pologne, Portugal, Roumanie, Royaume Uni de Grande-Bretagne et d’Irlande du Nord (y compris les îles de la Manche, Gibraltar, l’île de Man), Saint Marin, Serbie, Slovaquie, Slovénie, Suède, Suisse, Tchéquie, Turquie
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
SourcePage 2Section: Quand et comment effectuer les paiements?
Le montant indiqué sur l’avis d’échéance annuel est payable le premier jour du mois de l’échéance Une mensualisation est possible par domiciliation bancaire, sans frais supplémentaires
Sources
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LALUX Casco (own-damage car insurance)