LA LUXEMBOURGEOISE, Société Anonyme d'Assurances et de Placement
lalux
lalux is a motor third-party liability insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
Premiums are payable in advance; monthly payment by bank direct debit (domiciliation bancaire) is available at no extra cost within an easyPROTECT contract.
Geographic scope
Green Card zone (EEA member states and other countries whose national motor insurance bureaus are linked to the Luxembourg Bureau)
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.
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
Bodily Injury Liability (Third Party)
unlimited
The Company's liability is unlimited in principle. For claims occurring in Luxembourg, cover is limited to the legal minimum amounts set by Luxembourg law and regulation in force at the time of the claim. Terrorism-related claims are capped at €12,500,000. Material damage caused by fire, explosion or environmental pollution is capped at €2,500,000 per claim.
Property Damage Liability (Third Party)
unlimited
The Company's liability for material damage caused to third parties is unlimited in principle. For claims occurring in Luxembourg, cover is limited to the statutory minimum amounts in force at the time of the claim. Material damage from fire, explosion or environmental pollution is capped at €2,500,000 per claim, and terrorism-related claims at €12,500,000.
Legal Protection (Protection Juridique)
€10,000
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.
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.
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.
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.
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.
Key conditions
Territorial scope
For Civil Liability, Legal Protection, Death/Invalidity/Medical Expenses and Driver guarantees, cover applies in all Green Card zone countries. For damage to the vehicle itself, cover applies in Luxembourg and a defined list of European countries.
Green card rules
The Green Card zone comprises the countries whose national motor insurance bureaus are contractually linked to the Luxembourg Motor Insurance Bureau under the multilateral agreement of 30.05.2002 and subsequent amendments.
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.
Documents
General Terms and Conditions - easyPROTECT
Terms & conditions
Motor vehicle insurance – cars and camping vans (IPID)
IPID
Motor Insurance - Cars and Camping Cars (IPID)
IPID
Motor Insurance - Vehicles other than cars or camping cars (IPID)
IPID
easyPROTECT Auto Brochure (formula comparison table)
Table of benefits
Policy specifics
Civil Liability Defence and Recourse
Mandatory coverage for third-party liability including defence and recourse cover included in all easyPROTECT Auto formulas
SourceTop 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
SourceReplacement 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
SourceBonus-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
SourceForces of Nature Guarantee
Coverage for climate events such as hailstones and storms; included with Comfort formula and higher
SourceCasco (Comprehensive) Coverage
Comprehensive vehicle damage coverage available in Comfort and Performance formulas; includes fire, theft, glass breakage, collision with animals, and other damage
SourceComprehensive Auto Legal Protection
Legal protection coverage available as optional guarantee; includes payment of legal fees and assistance for disputes arising from vehicle-related matters
SourceDriver 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
SourceClaim Declaration Requirement
All claims must be declared within 8 days of occurrence; insured must obtain company consent before taking action involving the insurer
Source