AXA

territorial_scope

Civil liability cover is valid in all countries whose national insurance bureaus are linked to the Luxembourg Bureau under the agreement of 30 May 2002 (green card countries, EEA members and associated states). Vehicle damage guarantees (sections 10) are limited to the list of countries at article 10.1 of the special conditions (EU countries plus Bosnia-Herzegovina, Cyprus, Croatia, Denmark, Spain, Estonia, Finland, France, Greece, Hungary, Italy, Ireland, Iceland, Latvia, Lithuania, Luxembourg, Malta, Morocco, Norway, Netherlands, Poland, Portugal, Slovakia, Czech Republic, Romania, UK, Serbia*, Montenegro, Slovenia, Sweden, Switzerland, Tunisia, Turkey, Andorra, Monaco, Vatican, Liechtenstein, San Marino; *Chypre and Serbia limited to green card regions). Replacement vehicle available only in the Grand Duchy for non-immobilising incidents, in EU countries plus Switzerland and Norway for immobilising incidents. Travel assistance worldwide from insured's home.

green_card_rules

The green card is the sole document valid for specifying the territorial scope of the insurance cover. It materialises the civil liability coverage. The policyholder must immediately surrender the green card to the company in case of vehicle ownership transfer or voluntary suspension. In the event of a loss occurring abroad, the Luxembourg Bureau and the national bureau of the foreign country are authorised to receive notifications, investigate and settle claims on the insured's behalf.

driver_restrictions

All drivers expressly or tacitly authorised by the policyholder or vehicle owner are covered (authorised drivers). The additional driver is always considered an authorised driver. Damage caused when the driver does not hold a valid driving licence required by law is excluded (with specific exceptions for expired licences, EU licences, and Luxembourg licence in foreign country). Judicial prohibition, administrative withdrawal or suspension of licence is equivalent to absence of a valid licence. An additional franchise of €1,250 applies when an undeclared driver with less than 3 years' licence causes an accident.

claim_notification_deadline

The insured and/or policyholder must notify the company of any claim as soon as possible and at the latest within 8 days, except in cases of force majeure, in writing or verbally against receipt. All acts, letters, summonses and court documents received must be immediately forwarded to the company. Any claim notification beyond the deadline allows the company to reduce its benefit in proportion to the prejudice suffered.

bonus_malus_rules

A bonus-malus (BM) personalisation system applies to the civil liability premium for natural persons. New policyholders start at degree 11 (100% of base premium). Each claim-free observation period (12 months) results in one degree reduction (down to -3, 45% of base). Each at-fault claim results in +3 degrees (up to degree 22, 250% of base). After 4 consecutive claim-free years, the degree cannot exceed 11. The observation period is the 12 months preceding the first day of the month before the policy anniversary. Change of vehicle or insurer does not affect the BM degree; a 5-year claims history certificate from previous insurers must be provided. A separate BM scale applies to the Material Damage guarantee (section 10.6).

Family & Travel Assistance

Optional coverage providing medical assistance, search and rescue, medical expenses up to €150,000, repatriation, and assistance for theft or loss of luggage anywhere in the world

Electric Vehicle Battery & Charging Cable Coverage

Specific coverage for electric and hybrid vehicles, including battery as integral part of vehicle damage coverage, charging cable theft coverage up to €500 (Mini Casco) or €1,000 (Privilege), and breakdown assistance for electrical failures

Breakdown Assistance

Coverage for technical breakdowns including misfueling assistance and replacement vehicle provision in Luxembourg for immobilizing breakdowns

Pay-Per-Kilometre Insurance

Optional variant allowing declaration of annual mileage with rate adjustment based on usage for low-mileage drivers, with flexibility to upgrade to higher mileage band at later date

Joker Taxi Service

Service providing up to 3 annual taxi rides when policyholder is unable to drive, available 24/7

Replacement Vehicle - New-for-Old Value

Coverage providing reimbursement at full new purchase value (if first registered no more than 1 year ago) for up to 3 years in case of total loss from covered incident

Legal Protection & Defense

Coverage for legal fees, expert assessments and court costs in disputes arising from accidents with contested liability or third-party claims, included from Active tier

Driver Protection

Optional coverage protecting driver against bodily injuries in at-fault accidents, permanent disability and death, available as additional option

Prescription Period for Claims

All claims arising from contract must be initiated within three years from date of event giving rise to action

Vehicle Valuation for New Vehicles

For new vehicles no longer sold at list price, last retail price used and adjusted to comparable vehicle with no price below previous list price; includes special fittings and accessories at full tax-inclusive price

Total Loss Definition

Total loss occurs when repair costs exceed the difference between pre-loss value and salvage value

Approved Repair Network

Repairs must be performed at repair garages selected and approved by AXA; list available upon request

Automatic Policy Renewal

Policy automatically renews year-on-year at contract expiration unless terminated by either party; tacit renewal period cannot exceed one year

Multi-Driver Authorization

Additional drivers are always considered authorized drivers and are covered by insurance when operating vehicle with policyholder permission

Personal Effects Coverage

Coverage for personal items transported or carried by insured in vehicle up to €1,000 limit within Mini Casco packages; excludes commercial goods, construction materials, household furnishings, animals