Baloise
Baloise is a motor third-party liability insurance for the LU market with online purchase and 24/7 assistance.
Direct payment
Baloise pays claims directly to approved repairers and service providers where applicable; for assistance services, costs incurred by the insured without prior agreement are not reimbursed except in emergencies.
Geographic scope
Grand-Duché de Luxembourg
Grand-Duché de Luxembourg et pays mentionnés sur la Carte Internationale d'Assurance Automobile (anciennement carte verte)
Unique selling points
- Protected driver cover is included as standard in the base (Essentielle) formula — the only Luxembourg insurer to include this from entry level.
- 24/7 roadside assistance is systematically included in the base formula, covering Luxembourg and abroad with no additional premium required.
- Only two clearly structured plans (Essentielle and Intégrale) with modular add-on packs, ensuring transparent coverage and no hidden gaps.
- Replacement vehicle provided for up to 60 days after an accident — duration fixed at subscription with no post-claim surprises.
- Material damage bonus-malus protection offered free of charge to policyholders who have reached the best bonus level (-3), preserving premium savings after a first claim.
Coverage limits
Third-party bodily injury liability
Covered
Covers bodily injury caused to third parties (including vehicle occupants) by the insured vehicle, in accordance with Luxembourg mandatory motor liability law (Act of 16 April 2003). Coverage is unlimited for bodily injury; only terrorism-related damage is capped at EUR 12.5 million.
SourceThird-party property damage liability
Covered
Covers property damage caused to third parties by the insured vehicle, in accordance with Luxembourg mandatory motor liability law. Coverage is unlimited for property damage; only terrorism-related damage is capped at EUR 12.5 million.
SourceLegal defence and recourse (Défense-Recours)
Covered
Included as a base guarantee in the Drive policy (section 2.2 of CG-DRIVE-LUFR-07-25). Covers legal fees and attorney costs for defence and recourse following a road accident. The insured has free choice of lawyer registered with the Luxembourg or Diekirch Bar. Proceedings abroad require prior written agreement from Baloise.
SourceInternational Insurance Certificate (Green Card)
Covered
The policy applies in the Grand Duchy of Luxembourg and all countries listed on the International Insurance Certificate (formerly green card). Coverage in foreign countries follows local law applicable at the place of accident. Baloise Luxembourg authorises the Luxembourg Bureau of Automobile Insurers (and equivalent bureaux abroad) to handle claims on its behalf.
Source24/7 Roadside Assistance
Covered
24/7 roadside assistance is systematically included in the Drive base (Essentielle) formula, both in Luxembourg and abroad. Covers breakdown assistance, towing, and repatriation of the vehicle. Includes assistance in Luxembourg and the Grande Région, as well as international assistance. Services must be arranged through Baloise Assistance; costs incurred without prior approval are not reimbursed except in justified emergencies.
SourceProtected driver cover (Conducteur Protégé)
Covered
Systematically included in the Drive base (Essentielle) formula. Covers bodily injury to the driver of the insured vehicle even when the driver is at fault. Covers medical expenses, hospitalisation, disability, and death following a road accident. Applies to the regular driver, including when using a replacement vehicle provided after a claim or during travel abroad. The exact insured sum is specified in the Conditions Particulières.
SourcePassenger bodily injury (via RC liability)
Covered
Passengers are covered as third parties under the mandatory bodily injury liability (RC auto). The RC auto covers bodily injury caused to all transported persons in the insured vehicle, including passengers. Coverage is unlimited as per Luxembourg law. Note: this is liability coverage protecting passengers as third parties, not a personal accident cover for passengers.
SourceKey conditions
territorial_scope
Coverage applies in the Grand Duchy of Luxembourg and in all countries listed on the International Insurance Certificate (formerly green card). For accidents abroad, local legislation in force at the place of the accident applies. Additional guarantees may be required for extended travel outside Luxembourg.
green_card_rules
By subscribing to the RC (third-party liability) guarantee, the insured authorises the Luxembourg Bureau of Automobile Insurers and equivalent bureaux in foreign countries to receive notifications, investigate, and settle claims on their behalf in accordance with local law. Baloise Luxembourg may provide or pay bail when the driver is detained or the vehicle seized, subject to reimbursement.
driver_restrictions
All drivers authorised by the policyholder or the owner to use the insured vehicle are covered. The policy covers private passenger cars (excluding special use), campervans, and small utility vehicles (vans). Vehicles must be registered in Luxembourg. Drivers must hold a valid driving licence recognised by the legislation of the country where the accident occurs.
claim_notification_deadline
Claims must be reported within 8 days of their occurrence to Baloise Assurances Luxembourg. Declaration is possible 24/7 via the myBaloise online portal or the emergency assistance line (+352 294 141). Claims can also be reported at an agency or through the insured's agent.
bonus_malus_rules
Luxembourg operates two separate bonus-malus systems. The RC bonus-malus scale runs from -3 (best bonus) to +22 (highest malus), with 11 as the neutral starting point. Each claim-free year reduces the level by 1 point; each at-fault accident increases it by 3 points. An optional 'Material Damage Bonus Protection' guarantee maintains the bonus-malus level after the first claim; this guarantee is offered free of charge to customers who have reached the -3 bonus level.
Where to buy
Documents
Conditions Générales Drive – CG-DRIVE-LUFR-07-25 (juillet 2025)
terms_and_conditions
Brochure Drive – Avec Drive, vous êtes ultra-couvert (septembre 2025)
other
Conditions Générales Drive – CG-DRIVE-LUFR-03-23 (mars 2023, ancienne version)
terms_and_conditions
Fiche IPID – Assurance Automobile Drive (Bâloise Assurances Luxembourg S.A.)
ipid
Page des Conditions Générales Baloise Luxembourg (index de tous les documents)
other
Policy specifics
Protected driver coverage
Coverage for bodily injury to the driver even when the driver is at fault
Replacement vehicle
Provision of a replacement vehicle for a set period following an accident
24/7 roadside assistance
Round-the-clock assistance coverage in Luxembourg and abroad
Vehicle modifications pack
Coverage for vehicle modifications such as wrapping, suspensions and custom parts
Off-road coverage plans
Coverage for vehicles temporarily out of use due to storage, sale waiting, or long-term repair
Limited mileage plan
Optional plan for vehicles with limited usage and mileage
Material damage bonus-malus protection
Optional guarantee that maintains bonus-malus level after first claim on material damage
Bonus-malus system
Luxembourg bonus-malus scale ranging from 22 (highest malus) to -3 (best bonus), with neutral at 11
Deductibles
Specified in Conditions Particulières; various deductible amounts for different coverage types
Eligible vehicle types
Private cars (excluding special use), camping-cars, and small utility vehicles (vans)
Mandatory minimum coverage
Third-party liability (RC auto) coverage is legally mandatory in Luxembourg
Claims notification deadline
Claims must be reported within 8 days from their occurrence