Baloise Motor third-party liability (Drive)
Underwritten by Bâloise Assurances Luxembourg S.A. · Luxembourg
motor third-party liability insurance from Baloise for the Luxembourg market, with 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2025-07Sources
Unique selling points
Protected driver cover (dommages corporels du conducteur) is included from the base Essentielle formula, which is uncommon on the Luxembourg market where competitors typically sell it as an option.
24/7 roadside assistance in Luxembourg and abroad is included in both Drive formulas without needing to add options.
After an accident, a replacement vehicle is provided for a fixed period known at subscription, up to a maximum of 60 days.
An Aménagement pack covers vehicle modifications such as covering and suspension upgrades for amounts up to €15,000.
The Drive range is kept deliberately simple with only two clear formulas (Essentielle and Intégrale) instead of a maze of overlapping options.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal defence and recourse
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.
International Green Card coverage
Covered
The insured is covered in all countries mentioned on the back of the International Motor Insurance Card (Green Card).
24/7 roadside assistance
Covered
Emergency roadside assistance is included from the base formula, available 24 hours a day, 7 days a week, in Luxembourg and abroad. No specific monetary cap is stated.
Section: Drive, l’essentiel de l’assurance auto, dès la formule de base
Avec Baloise, l’assurance auto inclut systématiquement la garantie conducteur protégé – pour couvrir les dommages corporels même en cas de responsabilité – ainsi qu’une assistance 24h/24, au Grand-Duché comme à l’étranger.
Protected driver cover (driver accident)
Covered
Compensates the driver's own bodily injury sustained in a road accident, even when the driver is at fault; included automatically from the Essentielle formula onward. No specific monetary limit is stated in the reviewed documentation.
Section: Qu’est-ce que la garantie conducteur protégé ?
Elle vous couvre, en tant que conducteur, pour les dommages corporels que vous subissez lors d'un accident de la route, que vous soyez responsable ou non.
Key conditions
Driver restrictions
Coverage applies to any driver authorized to use the insured vehicle, provided they hold a valid driving licence recognized in the jurisdiction where the accident occurred.
Claim notification deadline
The insured must report claims to the competent authorities within the timeframes indicated in the general and special conditions, and must cooperate by providing all information and documents requested by the insurer, expert and/or lawyer.
Bonus-malus rules
Third-party liability bonus-malus is governed by the official CAA scale set by grand-ducal regulation, under which the insured's degree is adjusted up or down according to claims history, with a premium reduction applied for claim-free periods and an increase following at-fault claims.
Territorial scope
Coverage applies in all countries listed on the back of the International Motor Insurance Card (Green Card)
Documents
Policy specifics
Protected driver cover (Conducteur protégé)
Compensation for bodily injury to the driver even when the driver is at fault in an accident
SourceSection: Drive, l’essentiel de l’assurance auto, dès la formule de base > Des garanties essentielles incluses dans la formule de base
Protection du conducteur.
Replacement vehicle benefit
Provision of a replacement vehicle for a fixed period (up to 60 days) following an accident
SourceSection: Drive, l’essentiel de l’assurance auto, dès la formule de base > Une protection sans surprise, même en cas de pépin
Un accident : bénéficiez d’un véhicule de remplacement pendant une durée forfaitaire connue dès la souscription (jusqu’à 60 jours).
24/7 roadside assistance
Emergency roadside assistance available 24 hours a day, 7 days a week, in Luxembourg and abroad
SourceSection: Drive, l’essentiel de l’assurance auto, dès la formule de base
ainsi qu’une assistance 24h/24, au Grand-Duché comme à l’étranger.
Mandatory third-party liability coverage
Legal requirement under Luxembourg law (Law of 16 April 2003) to maintain third-party liability insurance; suspension not recommended
SourceInternational Green Card coverage
Third-party liability coverage extends to all countries listed on the International Insurance Certificate (Green Card)
SourceAuthorized driver requirement
Coverage applies only to any driver authorized to use the insured vehicle; verification of valid driving license required
SourceClaims notification timeline
Insured must report claims to competent authorities within timeframes specified in general and special conditions
SourceSources
- baloise.luhttps://www.baloise.lu/dam/baloise-lu/fr-old/documents/PDF/fiches_IPID/Fiche-IPID-DRIVE-3.pdf(opens in a new tab)
- baloise.luhttps://www.baloise.lu/fr/blog/mobilite/2022/garantie-conducteur-protege.html(opens in a new tab)
- baloise.luhttps://www.baloise.lu/fr/particuliers/mon-assurance-luxembourg/assurance-auto.html(opens in a new tab)
Baloise Motor third-party liability