mobilé
mobilé is a motor casco insurance for the LU market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
Grand Duchy of Luxembourg
All countries listed on the international insurance certificate (green card)
Unique selling points
- The Zen formula is chosen by 68% of Foyer clients and includes full comprehensive Casco cover (all damage whether at fault or not) with no excess, making it the dominant choice in the Luxembourg market.
- The Mobility Joker provides three free taxi journeys per year up to 70 km, automatically included in the Zen plan for situations where the driver cannot safely drive (fatigue, over the legal alcohol limit).
- Protected driver cover extends beyond the vehicle to bicycle, scooter, and public transport trips, ensuring the named driver is compensated for bodily injury or disability regardless of transport mode.
- Foyer's network of carefully selected partner garages across Luxembourg and the region guarantees quality repairs, with eco-friendly options via GPA reused automotive parts reducing CO₂ emissions by up to 80%.
- The new-for-old value guarantee compensates at the new purchase price for up to 36 months (or 90,000 km) in case of theft or total write-off, protecting recent vehicle owners from depreciation losses.
Coverage limits
Material Damage (Own Damage)
Covered
All physical damage to the insured vehicle is covered whether or not the driver is at fault, including damage caused by rodents or misfuelling (depending on plan). Applies to the Zen formula which includes full comprehensive Casco cover.
Total Loss Option
Optional
Provides compensation in the event of total destruction of the vehicle even if the driver is at fault in an accident. Available as a paid add-on. Does not cover partial repairs in at-fault accidents.
Partial Loss / Partial Damage
Covered
All partial material damage to the insured vehicle is covered under the Zen formula, whether or not the driver is at fault. No excess applies in accordance with standard Luxembourg Casco market practice.
Theft and Vandalism
Covered
Covers theft of the vehicle, damage resulting from attempted theft, and reprogramming costs following key theft (depending on the plan).
Glass Damage
Covered
Covers repair or replacement of all vehicle glazing (windscreen, side windows, rear screen, panoramic roof, etc.) including integrated technical or technological components (sensors, detectors, etc.).
Forces of Nature / Natural Events
Covered
Covers damage to the vehicle caused by natural events such as lightning, hailstorm, falling trees, flooding, earthquakes, and fire including explosion or electrical short circuit when the vehicle is parked outdoors.
Vandalism
Covered
Vandalism is included in the Protection and Zen formulas. The Zen formula additionally covers all material damage whether or not the driver is at fault.
Roadside Assistance / Breakdown Assistance
Optional
24/7 breakdown assistance covering puncture, misfuelling, running out of fuel, and lost keys. A mechanic is dispatched on-site; if on-site repair is not possible, vehicle is recovered and a replacement car is provided for five days. Also covers 24/7 accident assistance (towing, repatriation, accommodation, travel continuation) whether the accident occurs in Luxembourg or abroad.
Replacement Vehicle
Optional
A replacement vehicle is provided for a period of 5 to 15 days depending on the plan, extendable to 30 to 60 days if the vehicle has been stolen or is beyond repair. If no replacement vehicle is needed, a rental refund or fixed payment is offered instead.
Protected Driver / Driver Accident Cover
Optional
Compensates the driver in the event of bodily injury or disability in an accident, regardless of fault. A lump sum is paid to beneficiaries in the event of death. Protection extends beyond the vehicle to bicycle, scooter, and public transport use. All drivers named in the policy are covered.
Key conditions
driver_age_experience_limit
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.
repair_network_requirements
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.
territorial_scope
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.
anti_theft_requirements
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.
claim_notification_deadline
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.
deductible_rules
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.
Where to buy
Policy specifics
Bonus Protection / Joker Mobilité
Allows control of insurance budget by preventing premium increases from property damage claims; available in Zen and Gold plans
Total Loss Option
Provides compensation in the event of total destruction even in an at-fault accident; distinct feature of Foyer mobilé
New-for-Old Value / Purchase Value Guarantee
Vehicle retains purchase or replacement value until third anniversary; compensation at new price in case of theft or write-off
Mobility Joker (Joker Mobilité)
Three free taxi journeys per year up to 70 km when unable to drive; included automatically in Zen plan
Personal Effects / Transported Belongings Cover
Covers repair or replacement of luggage and items in vehicle including multimedia equipment (laptop, smartphone, GPS)
Protected Driver / Protected Passengers Cover
Compensation for driver injury/disability in accidents; lump sum to beneficiaries on death; covers driver in multiple transport modes
Breakdown Assistance / Roadside Assistance
24/7 mechanical breakdown service covering puncture, misfuelling, lost keys, battery discharge for electric vehicles
Electric Vehicle Coverage
Battery coverage for theft/damage; cable theft protection; towing to charging station; annual eco-discount on premium
Partner Garage Network Requirement
Foyer maintains network of carefully selected partner garages for vehicle repairs; repairs must be coordinated through network
No Excess on Comprehensive Casco
Luxembourg market feature: most insurers including Foyer apply no excess on comprehensive (Casco) policies
Dual Bonus-Malus System
Luxembourg uses two independent scales: legal third-party liability bonus-malus (CAA schedule, levels -3 to 22) and insurer-set material damage scale
Formula Selection Requirement
mobilé offers multiple formulas (Essentiel, Protection, Zen, Special, Clima) with different coverage levels and options
No Claims Penalty for Animal Collisions
Foyer does not apply claims penalty in event of collision with wild or stray animal, unlike some competitors