AXA Assurances Luxembourg S.A.
AXA
AXA is a motor third-party liability insurance for the Luxembourg market with online purchase and 24/7 assistance.
Direct payment
AXA must present the injured third party with a reasoned settlement offer (or a reasoned response if liability is disputed or damage not fully quantified) within three months of the claim being presented; amounts due are then paid within 30 days of being fixed by agreement, with statutory default interest running thereafter, and policy exceptions/nullities/exclusions cannot be invoked against the injured party.
Geographic scope
Grand Duchy of Luxembourg and all Green Card countries under the 30 May 2002 agreement between national insurance bureaus
Valid in all countries whose national insurance bureaus are contractually linked to the Luxembourg Bureau under the agreement of 30 May 2002; the green card is the sole document evidencing the exact territorial scope, and local legislation of the country where the accident occurs applies to determine liability and compensation.
Unique selling points
- Joker Taxi service offers up to 3 free taxi rides per year when the driver is unfit to drive, included across all OptiDrive formulas.
- Accident Assistance (breakdown service and towing) is automatically included from the effective date of the Civil Liability cover, at no extra cost.
- The car remains insured even when driven by a friend or relative who is not named in the policy.
- A 24/7 multilingual info line advises policyholders on the formalities to follow after an accident or breakdown.
Coverage limits
Bodily Injury Liability (Civil Liability)
Covered
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.
Property Damage Liability (Civil Liability)
Covered
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.
Legal Defence within Civil Liability
Covered
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.
Green Card Coverage (International Third-Party Liability)
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.
Accident Assistance (Breakdown/Towing)
Covered
Accident Assistance is acquired automatically from the effective date of the Civil Liability cover, with a 24/7 info line and up to three interventions per insurance year. It includes on-the-spot breakdown service or towing to a partner garage (reimbursed up to €350 if the provider is not used), plus the Joker Taxi service (up to 3 taxi rides per year within 70 km of the insured's home) when the driver is unfit to drive.
Driver Personal Accident Cover
Optional
Driver accident/injury cover is not automatically included in Civil Liability; it is available as one of two mutually exclusive optional guarantees, 'Protection du Conducteur' (Section 11) or 'Sécurité du Conducteur' (Section 12), which must be specifically noted in the individual policy conditions ('conditions particulières'). The insured sums for death, permanent invalidity, treatment costs and daily hospitalisation allowance are fixed per policy in the conditions particulières rather than as a single figure in the general terms.
Passenger Coverage under Civil Liability
Covered
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.
Key conditions
Territorial scope
Civil Liability cover is valid in all countries whose national insurance bureaus are party to the agreement of 30 May 2002 between national insurance offices of the EEA and other associated states; the green card is the sole reference document for the precise territorial scope, and local legislation applies to determine liability and compensation abroad.
Green card rules
The green card materialises the Civil Liability cover and is required to be produced to determine coverage validity; it also serves to prove the vehicle's compulsory insurance status in green card countries.
Driver restrictions
Cover does not apply if the driver does not hold a valid driving licence prescribed by applicable regulations, except where the licence has merely expired for renewal but remained valid for the vehicle type, where the driver holds a valid Luxembourg licence despite not holding one valid in the foreign country of the accident, or where the driver holds a licence valid under EU member state regulation. Judicial driving bans, administrative licence withdrawal/suspension, and non-compliance with licence restrictions/conditions are equivalent to the absence of a valid licence.
Claim notification deadline
The policyholder and/or insured must notify the Company of a claim as soon as possible and at the latest within 8 days, except in cases of unforeseen circumstances or force majeure, indicating the date, nature, causes, circumstances, consequences and location of the incident and details of injured persons and witnesses.
Bonus-malus rules
A new policyholder starts at degree 11 (100% of the base premium) on the Bonus/Malus scale. Each claim-free observation year moves the policyholder down one degree (to a floor of -3, i.e. 45% of base premium); each claim during an observation period moves the policyholder up three degrees (to a ceiling of 22, i.e. 250% of base premium); the degree reachable after 4 consecutive claim-free years can never exceed 11.
Where to buy
Policy specifics
Compulsory Civil Liability (Third-Party Liability)
Mandatory motor insurance covering property damage and bodily injury caused to third parties
Green Card Coverage (International Third-Party Liability)
Third-party liability coverage valid in countries participating in the green card system under the agreement concluded on 30 May 2002 between national insurance offices
Passenger Coverage under Civil Liability
In the event of an accident, passengers whether family or not are covered by Civil Liability (compulsory motor insurance), including assistance and hospitalization costs
Sub-limit for Fire, Explosion & Pollution Damage
Within the otherwise unlimited Civil Liability guarantee, compensation for material damage caused by fire, flames, explosion or pollution to the natural environment is capped at €2,500,000 per claim.
Sub-limit for Terrorism-Related Damage
Cover for damage resulting from acts of terrorism under the Civil Liability guarantee is capped at €12,500,000 per claim.
Policy Territory and Coverage Scope
Motor insurance valid in all countries listed on the insurance certificate; civil liability covers all property damage and personal injury caused to third parties in these countries
Accident Assistance Services
Accident Assistance is included in all OptiDrive car policy formulas; includes breakdown service, towing, and other roadside assistance
Declaration of Risk and Claims Procedure
Policyholder must declare claim to Company as soon as possible and at latest within 8 days, except in cases of force majeure; must indicate date, nature, causes, circumstances, consequences and location of incident