AXA Motor third-party liability (Optidrive Responsabilite Civile)
Underwritten by AXA Assurances Luxembourg S.A. · Luxembourg
motor third-party liability insurance from AXA for the Luxembourg market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2016-07Sources
Unique selling points
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
unlimited
Legal Defence within Civil Liability
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.
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).
Section: 3 good reasons to choose AXA car insurance > Active Plan > Base guarantees
Motor third-party liability Basic legal protection Accident assistance
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
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.
Key conditions
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.
Territorial scope
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.
Documents
OptiDrive Terms and Conditions (French, W07.2016) (opens in a new tab)
Terms & conditions · PDF
OptiDrive Terms and Conditions (English, W07.2016) (opens in a new tab)
Terms & conditions · PDF
OptiDrive IPID (French) (opens in a new tab)
Product information sheet · PDF
OptiDrive IPID (English) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Compulsory Civil Liability (Third-Party Liability)
Mandatory motor insurance covering property damage and bodily injury caused to third parties
SourceSection: 3 good reasons to choose AXA car insurance > Active Plan
Benefit from the essential minimum guarantees, including compulsory third-party liability, which covers damage you may cause to another person.
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
SourcePassenger 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
SourceSection: 🌟Fully covered, you’re well protected! > Protect your passengers
In the event of an accident, your passengers, whether family or not, are covered by your Civil Liability, the compulsory Motor insurance. This concerns your passengers’ assistance or hospitalization costs, etc.
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.
SourceSub-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.
SourcePolicy 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
SourceSection: Still have questions? > I'm going on holiday with my vehicle. Am I also covered abroad?
Your Motor insurance is valid in all the countries listed on your insurance certificate. Your "Civil Liability" cover therefore insures against 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
SourceSection: 3 good reasons to choose AXA car insurance > 24-hour assistance
AXA Luxembourg offers you breakdown assistance in the event of an accident, breakdown, or even a fuel error.
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
SourceSources
AXA Motor third-party liability