Motor third-party liability — Luxembourg

[1] Bodily injury liability: Unlimited ↩

The company's guarantee for bodily injury caused by the insured vehicle to third parties, including transported persons, is unlimited. A specific sub-limit of €12,500,000 per claim applies to damage resulting from acts of terrorism.

[2] Property damage liability: Unlimited ↩

The company's guarantee for property damage caused by the insured vehicle to third parties is unlimited, except for two sub-limits: €2,500,000 per claim for material damage caused by fire, flames, explosion or pollution to the natural environment, and €12,500,000 per claim for damage resulting from acts of terrorism.

[3] Legal defence: Unlimited ↩

The Civil Liability guarantee itself includes both the defence of founded claims and the defence against unjustified claims; the Company pays the principal indemnity, related interest, civil-action costs and lawyer/expert fees and honoraria, in so far as reasonably incurred with its agreement. This is distinct from the separate optional 'Protection Juridique' add-on (€10,000 limit), which covers the insured's own recourse actions rather than defence within Civil Liability.

[4] Green card: Covered ↩

The green card is the document evidencing the Company's Civil Liability cover and automatically extends the compulsory liability guarantee to all countries whose national insurance bureaus are party to the agreement of 30 May 2002; it is the sole reference for the exact territorial scope of the cover.

[5] Passenger accident: Unlimited ↩

Persons transported in the insured vehicle, whether family members or not, are covered as third parties for bodily injury (assistance and hospitalisation costs) under the unlimited compulsory Civil Liability guarantee. Two conditions limit this: if the number of occupants exceeds the number of seats stated on the registration certificate, cover toward the excess occupants is proportionally reduced, though this is inopposable to the injured passengers themselves (the Company keeps a recourse right against a natural-person insured capped at €3,000); and material damage suffered by the policyholder, owner, keeper, driver, or close relatives sharing their household is excluded from indemnification.

[6] Bodily injury liability: Covered ↩

Covers the insured's civil liability for bodily injury caused to third parties by the insured vehicle, in accordance with Luxembourg's compulsory motor liability legislation. The general and IPID documentation does not state a specific monetary limit.

[7] Property damage liability: Covered ↩

Covers the insured's civil liability for material damage caused to third parties (including third-party vehicles) by the insured vehicle. No specific monetary limit is stated in the available documentation.

[8] Legal defence: Covered ↩

The IPID lists 'défense recours' as a guaranteed cover alongside third-party liability; the insured has free choice of lawyer. No specific monetary limit is stated in the source documentation.

[9] Green card: Covered ↩

The insured is covered in all countries mentioned on the back of the International Motor Insurance Card (Green Card).

[10] Passenger accident: Optional ↩

The IPID lists 'L'assurance de personnes' among covers available depending on the formula and vehicle type, indicating it is not part of the unconditional base guarantees.

[11] Bodily injury liability: Unlimited ↩

The Zen-formula IPID lists 'Responsabilité civile' as a base guarantee but states no specific monetary figure and notes that different limits and deductibles apply per guarantee. The unlimited nature of bodily injury cover derives from Luxembourg law itself, where the principle of unlimited RC-VTA (motor liability) cover is embedded, rather than from a Foyer-specific document.

Le principe de la couverture illimitée en assurance RC-VTA étant ancré en droit luxembourgeois.

[12] Property damage liability: Covered ↩

Included within the same 'Responsabilité civile' base guarantee as bodily injury in the Zen IPID, but no specific monetary ceiling is stated in Foyer's own documents. A Luxembourg legislative dossier notes that, unlike the unlimited principle for bodily injury, national regulation may cap the material-damage guarantee at a maximum total of €250 million per claim; this is a legal ceiling context, not a confirmed Foyer contract limit.

peut-être limitée à un montant total maximal de 250 millions d'euros par sinistre.

[13] Legal defence: Optional ↩

Confirmed as an optional guarantee ('Protection juridique ou Défense et recours') in the official Zen-formula IPID (01/2025 edition). Foyer's product page distinguishes a 'standard' legal cover (defence and recovery action against responsible third parties) from an 'extended' legal cover (civil proceedings costs, legal interests, and vehicle purchase/sale/repair disputes) within this optional module. Availability as base vs. optional in Essentiel/Protection/Special/Clima is not confirmed by these sources.

Protection juridique ou Défense et recours

[14] Green card: Covered ↩

The 01/2025 Zen-formula IPID confirms coverage is valid in all countries where the international motor insurance card (updated terminology for what was previously called the green card) is valid, listing this as a base territorial-scope guarantee.

Les garanties souscrites sont valables dans tous les pays où la carte internationale d'assurance automobile est valide.

[15] Passenger accident: Optional ↩

Confirmed as the optional 'Occupants protégés' guarantee (renamed from 'Accident de la circulation') in the official Zen-formula IPID (01/2025 edition). Foyer's product page describes this cover as extending bodily injury protection to named occupants across multiple transport modes (car, bicycle, scooter, public transport). No specific monetary limit is stated.

Occupants protégés (anciennement Accident de la circulation)

[16] Bodily injury liability: Unlimited ↩

The Company's liability is unlimited in principle. For claims occurring in Luxembourg, cover is limited to the legal minimum amounts set by Luxembourg law and regulation in force at the time of the claim. Terrorism-related claims are capped at €12,500,000. Material damage caused by fire, explosion or environmental pollution is capped at €2,500,000 per claim.

Le montant de la garantie de la Compagnie est illimité. Pour les sinistres survenus sur le territoire du Grand-Duché de Luxembourg, le véhicule est assuré à concurrence des limites prévues par la législation et la réglementation luxembourgeoises... La couverture est limitée à 12 500 000 EUR pour les dommages résultant d'actes de terrorisme.

[17] Property damage liability: Unlimited ↩

The Company's liability for material damage caused to third parties is unlimited in principle. For claims occurring in Luxembourg, cover is limited to the statutory minimum amounts in force at the time of the claim. Material damage from fire, explosion or environmental pollution is capped at €2,500,000 per claim, and terrorism-related claims at €12,500,000.

La garantie est limitée à 2.500.000 EUR par sinistre pour les dégâts matériels provoqués par incendie, jets de flammes, explosion ou pollution à l'environnement naturel.

[18] Legal defence: €10,000 ↩

Optional guarantee, available for an additional premium, covering legal fees and costs (investigations, expert reports, proceedings) following a road traffic accident involving the insured vehicle, up to a maximum of €10,000. This is distinct from the 'Defence and Recourse' cover, which is included free of charge within the base Civil Liability guarantee.

La Compagnie garantit, moyennant supplément de prime, par extension aux dispositions applicables à la garantie Responsabilité civile, le paiement, jusqu à concurrence du montant indiqué aux Conditions Particulières et jusqu à concurrence de 10 000 EUR maximum, des frais et honoraires de toutes démarches, enquêtes, expertises et instances à la suite d un accident de la circulation.

[19] Green card: Covered ↩

For the Civil Liability, Legal Protection, Death/Invalidity/Medical Expenses and Driver guarantees, cover automatically extends to all countries whose national motor insurance bureaus are linked to the Luxembourg Bureau under the Green Card multilateral agreement of 30.05.2002 and its subsequent amendments, at no additional premium.

Pour les garanties Responsabilité civile, Protection juridique Garantie de base, Décès, Invalidité et Frais médicaux, Garantie conducteur, l'assurance est valable dans les pays dont les Bureaux nationaux d'assurance sont liés contractuellement avec le Bureau Luxembourgeois sur base de l'accord conclu en date du 30.05.2002 entre les Bureaux nationaux d'assurance des États membres de l'Espace Économique Européen et d'autres États associés ainsi que de ses modifications subséquentes.

[20] Passenger accident: Optional ↩

Optional accident cover extending to any person occupying the insured vehicle as conductor or passenger, providing capital for death and permanent disability plus reimbursement of medical expenses; occupants transported in the load area of goods vehicles are excluded.

Sont couverts exclusivement les accidents dont sont victimes les personnes occupant comme conducteur ou passager le véhicule automoteur désigné aux Conditions Particulières. Pour les véhicules servant au transport de choses la garantie est limitée aux personnes occupant la cabine à l'exclusion de toute personne transportée dans la caisse du véhicule assuré.