Foyer Motor third-party liability (Mobile)
Underwritten by Foyer Assurances S.A. · Luxembourg
motor third-party liability insurance from Foyer for the Luxembourg market, with online purchase and 24/7 assistance.
Verified Sep 10, 2026 · Terms dated 2025-01Sources
Unique selling points
Protected driver/occupants cover extends bodily injury protection worldwide across multiple transport modes (car, bicycle, scooter, public transport), not just inside the insured vehicle.
Foyer offers 9 selectable options to supplement and tailor car insurance coverage to each driver's profile.
The automatic Joker Mobilité feature in the Zen plan provides three free taxi journeys per year up to 70 km when the driver is unfit to drive.
After an accident, Foyer provides a replacement vehicle for 5 to 15 days, extendable to 30-60 days if the car is stolen or written off.
The Zen formula is the plan preferred by 68% of Foyer's car insurance clients in Luxembourg.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal Defence
Optional
No limit stated
Confirmed as an optional guarantee ('Protection juridique ou Défense et recours') in the official Zen-formula IPID (01/2025 edition). Foyer's product page distinguishes a 'standard' legal cover (defence and recovery action against responsible third parties) from an 'extended' legal cover (civil proceedings costs, legal interests, and vehicle purchase/sale/repair disputes) within this optional module. Availability as base vs. optional in Essentiel/Protection/Special/Clima is not confirmed by these sources.
Section: Qu'est-ce qui est assuré ? > Les garanties optionnelles
Protection juridique ou Défense et recours
Green Card
Covered
No limit stated
The 01/2025 Zen-formula IPID confirms coverage is valid in all countries where the international motor insurance card (updated terminology for what was previously called the green card) is valid, listing this as a base territorial-scope guarantee.
Section: Où suis-je couvert(e)?
Les garanties souscrites sont valables dans tous les pays où la carte internationale d'assurance automobile est valide.
Roadside Assistance
Optional
No limit stated
In the official Zen-formula IPID (01/2025 edition), 'Assistance' is listed as an optional guarantee, separate from the optional 'Assistance panne' (breakdown assistance for car, van, motorcycle) and 'Assistance remorquage véhicule électrique' (EV-specific towing assistance). This differs from a third-party comparison site (switchr.lu) which reports assistance as included at base level in the Protection and Zen formulas; the insurer's own current IPID is treated as authoritative here.
Section: Qu'est-ce qui est assuré ? > Les garanties optionnelles
Assistance
Driver Accident Cover
Optional
No limit stated
Confirmed as the optional 'Conducteur protégé' guarantee in the official Zen-formula IPID (01/2025 edition). No specific monetary limit is stated. A separate optional 'Accident conducteur de moto' guarantee exists specifically for motorcycles.
Section: Qu'est-ce qui est assuré ? > Les garanties optionnelles
Conducteur protégé
Passenger Accident Cover
Optional
No limit stated
Confirmed as the optional 'Occupants protégés' guarantee (renamed from 'Accident de la circulation') in the official Zen-formula IPID (01/2025 edition). Foyer's product page describes this cover as extending bodily injury protection to named occupants across multiple transport modes (car, bicycle, scooter, public transport). No specific monetary limit is stated.
Section: Qu'est-ce qui est assuré ? > Les garanties optionnelles
Occupants protégés (anciennement Accident de la circulation)
Key conditions
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.
SourceWhether 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.
SourcePage 2Section: 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.
SourceAu Luxembourg, il existe deux échelles de bonus-malus distinctes : l'échelle responsabilité civile (RC)... et l'échelle dégâts matériels.
Territorial scope
Coverage applies in all countries where the international motor insurance card (formerly green card) is valid, as listed on that card.
Documents
IPID index - Auto M20 formulas (Essentiel, Protection, Special, Zen, Clima) (opens in a new tab)
Product information sheet · PDF
IPID - Auto Mobilé M20, Formule Zen (French, 01/2025 edition) (opens in a new tab)
Product information sheet · PDF
General conditions lookup portal (requires customer/contract number) (opens in a new tab)
Other document · PDF
Policy specifics
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.
SourceSection: Protection tailored to each driver > Options
As the driver of the vehicle, you are compensated in the event of injury or disability. Better! You are also protected when you travel – by bicycle, scooter, public transport, etc.
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.
SourceSection: Our packages at a glance
This insurance covers the costs incurred for civil proceedings and the defence of your legal interests following a claim or if you have a dispute concerning the purchase or sale of your vehicle, following a repair at your garage, or need to defend yourself in the context of a statement, etc.
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.
SourceJoker 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.
SourceSection: Our packages at a glance
Are you unable to drive your vehicle because you are too tired or think your blood alcohol content is over the legal limit? Included automatically in your ZEN package, this cover allows you to benefit from three free taxi journeys per year up to a maximum of 70 km.
Sources
- switchr.luhttps://switchr.lu/assurances/auto/garanties-assurance-auto/(opens in a new tab)
- wdocs-pub.chd.luhttps://wdocs-pub.chd.lu/docs/compilation/docpa/pdf/5653_Dossier_Complet.pdf#page=10(opens in a new tab)
- wdocs-pub.chd.luhttps://wdocs-pub.chd.lu/docs/exped/0141/176/283766.pdf#page=4(opens in a new tab)
- foyer-lux-assurances.luhttps://www.foyer-lux-assurances.lu/en/assurance-auto(opens in a new tab)
- foyer.luhttps://www.foyer.lu/en/individual/vehicle-insurance/car-insurance/(opens in a new tab)
Foyer Motor third-party liability