Foyer Assurances S.A.

Territorial scope

With Foyer car insurance, coverage applies for yourself, your passengers, and your vehicle across Luxembourg and beyond its borders.

With Foyer car insurance, you benefit from comprehensive coverage for yourself, your passengers, and your vehicle across Luxembourg and beyond its borders.

Green card rules

Coverage is valid in all countries where the international motor insurance card (formerly the green card) is valid, as listed on that card; the optional worldwide accident cover extends further, to anywhere in the world.

Section: Où suis-je couvert(e)?

La garantie optionnelle Accident de la circulation est valable dans le monde entier.

Driver restrictions

No specific age or experience restrictions are stated in available sources; Foyer states its car insurance adapts to all driver profiles, whether beginner or expert, daily or occasional drivers.

Whether you are passionate about driving, a daily or occasional driver, a beginner or an expert driver.

Claim notification deadline

The policyholder must inform the insurer of any claim as soon as possible and in any case within eight days of its occurrence, providing without delay all useful information needed to determine the circumstances and extent of the damages.

Section: Quelles sont mes obligations ?

dans les huit jours de sa survenance, informer l'assureur de tout sinistre.

Bonus-malus rules

Luxembourg uses two separate bonus-malus scales: the third-party liability (RC) scale, regulated by law, and the material-damage (Casco) scale, set freely by each insurer, so a claim on one does not affect the other's level. Separately, the Zen formula's automatic Joker Mobilité feature (a base guarantee restricted to cars) provides three free taxi journeys per year up to 70 km when the driver is unfit to drive; it is not a bonus-malus protection mechanism.

Au Luxembourg, il existe deux échelles de bonus-malus distinctes : l'échelle responsabilité civile (RC)... et l'échelle dégâts matériels.

Protected Driver / Occupants Cover

Optional cover extending bodily injury protection to the driver and all named occupants for all transport modes (car, bicycle, scooter, public transport), valid worldwide, confirmed as optional guarantees ('Conducteur protégé' and 'Occupants protégés') in the Zen-formula IPID.

Legal Defence and Recovery Against Third Parties

Standard legal cover provides legal defence and ensures recovery action against third parties responsible; extended legal cover is available within the same optional module, covering civil proceedings costs and legal interests after a claim or vehicle purchase/sale/repair disputes. This whole module is listed as optional in the Zen-formula IPID.

International Motor Insurance Card Coverage

Third-party liability (RC) cover extends automatically to all countries listed on the international motor insurance card (updated terminology for the green card), as confirmed by the Zen-formula IPID.

Joker Mobilité - Free Taxi Journeys

Automatic base guarantee in the Zen formula (restricted to cars, per the Zen IPID), providing three free taxi journeys per year up to a maximum of 70 km when the driver is too tired to drive or believes their blood alcohol content is over the legal limit.