Motor third-party liability

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Feature / category	AXA Jun 2, 2026 Open details	Baloise Jun 2, 2026 Open details	mobilé Jun 2, 2026 Open details	LALUX Jun 2, 2026 Open details
Overview
Insurer	AXA Assurances Luxembourg S.A.	Baloise Assurances Luxembourg S.A. / Baloise Vie Luxembourg S.A.	Foyer Assurances S.A.	LA LUXEMBOURGEOISE, Société Anonyme d'Assurances et de Placement
Online purchase	No	Yes	Yes	No
24/7 helpline	Yes	Yes	Yes	Yes
Billing basis	annual	annual	annual	annual
IPID	IPID	IPID	IPID	IPID
Terms & conditions	Terms & conditions 1 Terms & conditions 2	Terms & conditions 1 Terms & conditions 2	Not available	Terms & conditions
Coverage
Bodily injury liability	unlimited	unlimited	unlimited	unlimited
Property damage liability	unlimited	unlimited	unlimited	unlimited
Legal defence	€10,000	Covered	Standard and Extended tiers available	€10,000
Green card	Covered	Covered	Covered	Covered
Passenger accident	Covered	unlimited	Covered under MTPL RC (unlimited bodily injury); optional forfaitaire accident guarantee also available	Covered
Key conditions
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.	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.	Third-party liability (RC) cover is valid in all countries listed on the international green card. Foyer car insurance covers the insured across Luxembourg and beyond its borders. The green card territory covers standard European Green Card member states.	Civil liability cover is valid in all countries whose national insurance bureaux are contractually linked to the Luxembourg Bureau under the green card system (EEA member states and associated states, per the agreement of 30 May 2002 and subsequent amendments). Vehicle damage (Casco) cover applies in Luxembourg and a defined list of 44 countries including all EU member states, Andorra, Bosnia-Herzegovina, Iceland, Liechtenstein, North Macedonia, Montenegro, Norway, Serbia, Switzerland, Turkey, and the United Kingdom (including Channel Islands, Gibraltar, Isle of Man).
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.	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.	The green card (international insurance certificate) is issued automatically with the policy. It certifies the existence of compulsory third-party liability cover in the countries listed. A digital version of the certificate is accepted under Luxembourg law (as PDF, download from customer area, or photo of paper certificate).	The green card (international motor insurance certificate) is issued to all policyholders and certifies civil liability coverage as required by law in visited green card countries. The Luxembourg Bureau of Motor Insurers is authorised to receive notifications and settle claims on behalf of the insured in foreign countries. If applicable foreign law requires broader guarantees than those in the contract, the insurer grants those broader guarantees.
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.	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.	The policy covers all authorised drivers named in the policy. The driver is the only person not automatically covered for their own injuries under mandatory TPL; optional 'Protected Driver' cover is required for driver personal injury protection. Drivers without a valid driving licence are excluded.	Driving by candidates for a Luxembourg driving licence is excluded unless a derogation is provided in the Special Conditions and the candidate complies with applicable traffic regulations. Driving under alcohol influence (blood alcohol ≥ 1.2 g/l or manifest signs of intoxication) is excluded for Casco, Glass breakage, and Legal protection. Damage caused when vehicle is rented out is excluded unless agreed otherwise.
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.	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.	Claims must be notified to the insurer as soon as possible. The standard deadline under Luxembourg insurance contracts is 8 days following the occurrence of the claim (standard deadline confirmed across Luxembourg insurers), except in cases of force majeure.	Any claim must be declared within 8 days of its occurrence. The insurer's agreement must be obtained before taking any action engaging its intervention. Official documents (police reports, accident reports) must be transmitted as quickly as possible. For theft and collision with a stray animal, a complaint or declaration must be filed immediately with the competent authorities; for animal collision, an official certified report must also be presented to the insurer.
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).	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.	Luxembourg applies a dual bonus-malus system governed by the Grand Ducal Regulation of 11 November 2003 (last amended 29 March 2024). The RC scale runs from -3 (maximum bonus, 45% of base premium) to +22 (maximum malus, 250% of base premium), with a neutral base of 11 (100%). Each claim-free year reduces the level by 1; each at-fault accident increases the RC level by 3 points. Only the RC component of the premium is affected by the RC scale. Foyer also applies a separate material damage bonus-malus scale; optional bonus protection (Joker Mobilité) is available in Zen and Gold plans to prevent material damage level increases. The RC bonus-malus is attached to the driver, not the vehicle, and is non-transferable between drivers.	The bonus-malus system rewards accident-free driving with reduced premiums and penalises at-fault claims with premium increases. At subscription, the policyholder must provide a bonus-malus certificate from the previous insurer. Upon cancellation, the insurer provides a bonus-malus certificate indicating the degree and claims of the current period. In the Comfort formula, a Bonus Joker is available after 3 consecutive years without a Casco claim. In the Performance formula, the bonus is fully protected for Casco claims: no premium increase applies regardless of material damage claims.
Proof and next steps
Direct payment policy	AXA pays the indemnity due in principal, related interest, and costs of civil proceedings once all information on the loss has been received; amounts due are settled within 30 days of their determination. Deductibles always remain payable by the policyholder.	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.	Foyer pays third-party victims directly for bodily injury and property damage caused by the insured in an at-fault accident. For repairs, insured is directed to Foyer partner garage network; direct settlement with partner garages is standard.	LALUX pays repair invoices directly to the garage in the event of a covered claim under the Casco guarantee (Comfort and Performance formulas), with no advance payment required from the insured.
Last verified	Jun 2, 2026	Jun 2, 2026	Jun 2, 2026	Jun 2, 2026