lalux Motor third-party liability (Easyprotect Auto)
Underwritten by LA LUXEMBOURGEOISE Société Anonyme d'Assurances · Luxembourg
motor third-party liability insurance from lalux for the Luxembourg market, with 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2017-05-15Sources
Unique selling points
Market-exclusive Performance formula protects your bonus-malus rating: after a Casco claim, your premium does not increase.
Free 24/7 Top Assistance included in every formula, with towing at home and abroad in Green Card countries, at no extra cost.
Replacement vehicle provided for up to 60 days in case of theft, well beyond typical market minimums.
Free choice of repairer for every claim, with no obligation to use an insurer-approved garage.
Réparation PLUS under the Performance formula adds 10% of the vehicle's replacement value (up to €2,500) to avoid a total-loss write-off.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal Protection (Protection Juridique)
€10K
Optional guarantee, available for an additional premium, covering legal fees and costs (investigations, expert reports, proceedings) following a road traffic accident involving the insured vehicle, up to a maximum of €10,000. This is distinct from the 'Defence and Recourse' cover, which is included free of charge within the base Civil Liability guarantee.
Section: I. ASSURANCE AUTOMOBILE > 2. Protection Juridique > 2.1 Protection Juridique - Garanties de base
La Compagnie garantit, moyennant supplément de prime, par extension aux dispositions applicables à la garantie Responsabilité civile, le paiement, jusqu à concurrence du montant indiqué aux Conditions Particulières et jusqu à concurrence de 10 000 EUR maximum, des frais et honoraires de toutes démarches, enquêtes, expertises et instances à la suite d un accident de la circulation.
Green Card / Territorial Extension
Covered
For the Civil Liability, Legal Protection, Death/Invalidity/Medical Expenses and Driver guarantees, cover automatically extends to all countries whose national motor insurance bureaus are linked to the Luxembourg Bureau under the Green Card multilateral agreement of 30.05.2002 and its subsequent amendments, at no additional premium.
Section: I. ASSURANCE AUTOMOBILE > Étendue territoriale
Pour les garanties Responsabilité civile, Protection juridique Garantie de base, Décès, Invalidité et Frais médicaux, Garantie conducteur, l'assurance est valable dans les pays dont les Bureaux nationaux d'assurance sont liés contractuellement avec le Bureau Luxembourgeois sur base de l'accord conclu en date du 30.05.2002 entre les Bureaux nationaux d'assurance des États membres de l'Espace Économique Européen et d'autres États associés ainsi que de ses modifications subséquentes.
Top Assistance (Roadside Assistance)
Covered
Free 24/7 assistance (phone 00352 44 88 88) in case of breakdown, accident or attempted theft immobilising the insured vehicle: towing to the chosen garage in Luxembourg or to the nearest competent garage abroad (EU, Norway, Switzerland); vehicle repatriation if not repairable within 5 working days; assistance to occupants (return journey or taxi/hotel costs, capped e.g. at €125 for taxi and €62/person/night for hotel); a category-B replacement vehicle for up to 5 days; and message transmission. Towing reimbursement is capped at €200 if the assistance centre was not called.
Section: I. ASSURANCE AUTOMOBILE > 4. Top Assistance > 4.3 Top Assistance Prestations assurées
le dépannage et/ou le remorquage du véhicule assuré jusqu au garage choisi par l assuré ou en cas de vol ou de perte des clés le trajet aller-retour pour récupérer la clé de réserve
Driver Accident Cover (Death, Disability, Medical Expenses)
Optional
Optional personal-injury cover for the insured driver (and family members) paying fixed capital sums for death and permanent disability, plus reimbursement of medical expenses, following a road traffic accident; sums insured are set out in the Conditions Particulières. This cover is essential because the driver is never protected by their own third-party liability (RC) insurance.
Section: I. ASSURANCE AUTOMOBILE > 2. Garantie Accident Décès, Invalidité et Frais médicaux de l assuré conducteur et/ou de sa famille > 2.1 Garantie de base
La Compagnie garantit le paiement des prestations convenues aux Conditions Particulières, lorsque pendant la durée de validité du contrat, l assuré est victime d'un accident de la circulation.
Passenger Accident Cover
Optional
Optional accident cover extending to any person occupying the insured vehicle as conductor or passenger, providing capital for death and permanent disability plus reimbursement of medical expenses; occupants transported in the load area of goods vehicles are excluded.
Section: I. ASSURANCE AUTOMOBILE > 2. Garantie Accident Décès, Invalidité et Frais médicaux de l assuré conducteur et/ou de sa famille > 2.1 Garantie de base
Sont couverts exclusivement les accidents dont sont victimes les personnes occupant comme conducteur ou passager le véhicule automoteur désigné aux Conditions Particulières. Pour les véhicules servant au transport de choses la garantie est limitée aux personnes occupant la cabine à l'exclusion de toute personne transportée dans la caisse du véhicule assuré.
Key conditions
Driver restrictions
Cover excludes damage caused by candidates for the Luxembourg driving licence (unless a specific derogation applies), by drivers without a valid licence for the type of vehicle driven, and where the vehicle has been rented out. The Company may exercise recourse of up to €3,000 per claim against a private-individual policyholder in defined circumstances such as driving under the influence of alcohol or drugs, or an intentional act.
Claim notification deadline
The policyholder and/or insured must notify the Company of any claim as soon as possible, and in any event within 8 days of its occurrence (or as soon as reasonably possible in the event of a fortuitous event or force majeure).
Bonus-malus rules
A bonus-malus scale applies, ranging from level -3 (best, 45% of base premium) to level 22 (worst, 250% of base premium). New policyholders start at level 11 (100% of base premium). Each claim-free observation year moves the policyholder down one level; each claim during the observation period raises the level by 3, up to a maximum of 22. After four consecutive claim-free years, the level is capped at a maximum of 11.
Territorial scope
For Civil Liability, Legal Protection, Death/Invalidity/Medical Expenses and Driver guarantees: all Green Card zone countries. For damage to the vehicle itself: Luxembourg, Albania, Germany, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus, Croatia, Denmark (incl. Faroe Islands), Spain, Estonia, Vatican City, Finland, France, Greece, Hungary, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, North Macedonia, Malta, Monaco, Montenegro, Norway, Netherlands, Poland, Portugal, Romania, United Kingdom (incl. Channel Islands, Gibraltar, Isle of Man), San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Czechia, Turkey.
Documents
General Terms and Conditions - easyPROTECT (opens in a new tab)
Terms & conditions · PDF
Motor vehicle insurance – cars and camping vans (IPID) (opens in a new tab)
Product information sheet · PDF
Motor Insurance - Cars and Camping Cars (IPID) (opens in a new tab)
Product information sheet · PDF
Motor Insurance - Vehicles other than cars or camping cars (IPID) (opens in a new tab)
Product information sheet · PDF
easyPROTECT Auto Brochure (formula comparison table) (opens in a new tab)
Table of benefits · PDF
Policy specifics
Civil Liability Defence and Recourse
Mandatory coverage for third-party liability including defence and recourse cover included in all easyPROTECT Auto formulas
SourceSection: easyPROTECT Auto Insurance > What types of car insurance are mandatory in Luxembourg?
In Luxembourg, the only mandatory car insurance is civil liability (RC Auto). This is included in all of LALUX’s easyPROTECT Auto formulas.
Top Assistance - Breakdown and Towing
24/7 breakdown and towing service following a breakdown, accident or theft immobilising the vehicle in Luxembourg, at home, and abroad in Green Card countries
SourceSection: easyPROTECT Auto Insurance > Top Assistance included
Breakdown and towing service ( 24/7 ) following a breakdown or accident immobilising your vehicle in Luxembourg, at home, and abroad.
Replacement Vehicle
Replacement vehicle provided in case of breakdown, accident or theft; up to 5 days for breakdown, 15 days for covered accident (from Comfort formula), and up to 60 days for theft
SourceSection: easyPROTECT Auto Insurance > Replacement vehicle
Your mobility is guaranteed whatever happens: up to 5 days in the event of a breakdown , up to 15 days in the event of a covered accident , up to 60 days in the event of theft .
Bonus-Malus System and Protection
Bonus-malus system rewards accident-free drivers with reduced premiums and penalises those who have caused accidents; Performance formula protects bonus for material damage
SourceSection: easyPROTECT Auto Insurance
The bonus-malus system rewards accident-free drivers with reduced premiums, and penalises those who have caused an accident. With the easyPROTECT Auto Performance formula, your bonus is protected for material damage that is guaranteed through Casco: in this case your premium shall not increase.
Forces of Nature Guarantee
Coverage for climate events such as hailstones and storms; included with Comfort formula and higher
SourceSection: easyPROTECT Auto Insurance
Yes. The “forces of nature” guarantee, included with the Comfort formula, covers climate events such as hailstones and storms.
Casco (Comprehensive) Coverage
Comprehensive vehicle damage coverage available in Comfort and Performance formulas; includes fire, theft, glass breakage, collision with animals, and other damage
SourcePage 1Section: What is insured? > Packages and guarantees applicable to motor vehicle insurance
SECURITY = Basic rate + the following items: Fire Lightning strike, burns, short circuit, etc.. Theft and attempted theft Carjacking, homejacking Destruction or damage to the insured vehicle Glass breakage* Damage caused by broken windscreens, sunroofs, side windows and rear windows Headlights and lights, including xenon headlights *) The following are also insured if glass breakage insurance is taken out: Collision with a stray animal Material damage following a collision with an animal Forces of nature Material damage caused by: falling rocks, storms, hail, etc. […] COMFORT =SECURITY + the following items: Damage to the vehicle (including total loss) Material damage to the vehicle caused by accidents/accidents of third parties or by martens/weasels; misfuelling; damage to tyres, including vandalism […] PERFORMANCE = COMFORT + the following items: Personalisation of the premium
Comprehensive Auto Legal Protection
Legal protection coverage available as optional guarantee; includes payment of legal fees and assistance for disputes arising from vehicle-related matters
SourcePage 5Section: PROTECTION JURIDIQUE AUTO INTÉGRALE
Une extension à la garantie Défenses et recours est possible avec la Protection Juridique Auto Intégrale afin de vous défendre en cas de litiges contractuels liés à l'achat, la vente ou l'utilisation de votre véhicule.
Driver Cover and Accident Guarantee
Optional personal insurance supplements covering death, disability, and medical expenses in case of traffic accident; provides fixed compensation without damage assessment
SourceSection: Insurance solutions for car drivers > Accident - Death, Disability and Medical Expenses guarantee
In the event of a traffic accident, payment of a fixed amount fixed and known in advance , without assessment of the damage actually perceived.
Claim Declaration Requirement
All claims must be declared within 8 days of occurrence; insured must obtain company consent before taking action involving the insurer
SourcePage 2Section: Quelles sont mes obligations? > En cas de sinistre
Déclarer tout sinistre dans les 8 jours de sa survenance et obtenir l'accord de la compagnie avant toute action engageant son intervention
Sources
- lalux.luhttps://www.lalux.lu/en/customers/insurances/easyprotect-auto(opens in a new tab)
- lalux.luhttps://www.lalux.lu/en/customers/insurances/easyprotect-auto/insurance-solutions-for-car-drivers(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/documents/Brochures/easyPROTECT_AUTO-FR.pdf#page=5(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/documents/compliance/ipid/ipid_assurance-auto_lalux_easyprotect-auto_vehicules-type-1_en.pdf#page=1(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/documents/compliance/ipid/ipid_assurance-auto_lalux_easyprotect_auto_vehicules-type-1_fr.pdf#page=2(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/terms_and_conditions/X9E/FRA_DG_EASYPROTECT_2022_FR.pdf#page=13(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/terms_and_conditions/X9E/FRA_DG_EASYPROTECT_2022_FR.pdf#page=24(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/terms_and_conditions/X9E/FRA_DG_EASYPROTECT_2022_FR.pdf#page=3(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/terms_and_conditions/X9E/FRA_DG_EASYPROTECT_2022_FR.pdf#page=4(opens in a new tab)
- lalux.luhttps://www.lalux.lu/fileadmin/mediatheque/terms_and_conditions/X9E/FRA_DG_EASYPROTECT_2022_FR.pdf#page=6(opens in a new tab)