LALUX
LALUX is a motor third-party liability insurance for the LU market with no online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
LU
Responsabilité civile valable dans tous les pays dont les Bureaux nationaux d'assurance sont liés au Bureau Luxembourgeois (zone carte verte) ; dégâts au véhicule valables au Luxembourg, Albanie, Allemagne, Andorre, Autriche, Belgique, Bosnie-Herzégovine, Bulgarie, Chypre, Croatie, Danemark (et îles Féroé), Espagne, Estonie, État du Vatican, Finlande, France, Grèce, Hongrie, Irlande, Islande, Italie, Lettonie, Liechtenstein, Lituanie, Macédoine du Nord, Malte, Monaco, Monténégro, Norvège, Pays-Bas, Pologne, Portugal, Roumanie, Royaume-Uni (y compris îles de la Manche, Gibraltar, île de Man), Saint-Marin, Serbie, Slovaquie, Slovénie, Suède, Suisse, Tchéquie, Turquie
Unique selling points
- Unlimited civil liability guarantee (bodily injury and property damage) – no coverage cap for third-party claims, exceeding the EU minimum.
- Market-exclusive Performance formula: bonus fully protected after any Casco claim – no premium increase for material damage, unique in the Luxembourg market.
- Top Assistance 24/7 included in all formulas from the base Security level – towing, passenger assistance and replacement vehicle at home and in all green card zone countries at no extra cost.
- Zero deductible in Comfort and Performance Casco formulas – full repair cost reimbursed with no excess, and no specific deductible for young drivers listed in the contract.
- All-in-one easyPROTECT bundle discount of up to EUR 100 per car with Casco cover, combining home, auto, civil liability, legal protection, accident and travel in a single contract with one premium and one due date.
Coverage limits
Bodily injury liability (Civil Liability)
Covered
The insurer's guarantee amount is unlimited for bodily injury caused to third parties, including transported persons, by the insured vehicle. Complies with Luxembourg mandatory MTPL legislation and applicable international conventions.
Property damage liability (Civil Liability)
Covered
The insurer's guarantee is unlimited for material damage caused to third parties by the insured vehicle. Note: per T&C, the guarantee for material damage caused by fire, flames or explosion may be subject to specific sub-limits under applicable Luxembourg legislation.
Legal defence and recourse (Protection juridique)
Covered
Covers costs and fees, up to EUR 10,000, for all steps or proceedings following a road traffic accident. Included in all formulas (Security, Comfort, Performance). Free choice of lawyer in Luxembourg; prior agreement of the insurer required abroad. Judicial proceedings for recovery of amounts below EUR 500 are excluded.
Green Card (International motor insurance certificate)
Covered
The green card is issued with all easyPROTECT Auto policies. Civil liability cover is valid in all countries whose national insurance bureaux are contractually linked to the Luxembourg Bureau under the international green card system agreement of 30 May 2002 (EEA and associated states).
Top Assistance – 24/7 roadside assistance
Covered
24/7 towing and breakdown service in Luxembourg (including at home) and abroad in all green card zone countries. Includes passenger assistance and repatriation of the vehicle and occupants. Also provides a replacement vehicle (up to 5 days for breakdown or accident, up to 30-60 days for theft depending on formula). Included in all formulas.
Driver Cover / Accident guarantee (driver)
Optional
The driver is the only person never protected by mandatory civil liability insurance. Two optional covers are available for all formulas: (1) Driver Cover (Garantie Conducteur) – compensates the driver as a third party would be compensated, based on actual damage assessment; (2) Accident Guarantee (Death, Disability, Medical expenses) – pays a fixed pre-agreed capital or daily allowance. Both are strongly recommended by LALUX.
Passenger protection (via Civil Liability)
Covered
Passengers are covered as third parties under the mandatory civil liability guarantee for bodily injury and material damage. No separate passenger accident benefit is available as a distinct coverage line in the product; dedicated accidental death/disability benefits for passengers would require a separate Accident Guarantee subscription.
Key conditions
territorial_scope
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 (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
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
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
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.
Where to buy
Documents
easyPROTECT Auto – Conditions Générales (FR, mai 2017, v2)
terms_and_conditions
IPID – Assurance Automobile Voitures et camping cars (FR)
ipid
IPID – Motor vehicle insurance Cars and camping vans (EN)
ipid
IPID – Motor vehicle insurance Vehicles other than cars and motorhomes (EN)
ipid
easyPROTECT Auto – Brochure produit (FR)
other
Policy specifics
Bonus protection in Performance formula
In the Performance formula with Casco coverage, the insured's bonus is protected in the event of a physical damage claim - no premium increase applies regardless of damage claims
Replacement vehicle coverage duration
Replacement vehicle is provided for up to 5 days in case of breakdown, up to 15 days in case of a covered accident, and up to 60 days in case of theft
Forces of nature coverage
Included in Comfort and Performance formulas - covers climate events such as hailstones and storms
Top Assistance 24/7 Breakdown Service
24/7 breakdown and towing service available in Luxembourg (including at home) and abroad in all green card countries - includes repatriation of vehicle and occupants
Civil Liability (Mandatory coverage)
Mandatory Motor Vehicle Civil Liability (RC Auto) included in all easyPROTECT Auto formulas - covers physical and material damage caused to third parties
Bonus-Malus System
System that rewards accident-free drivers with reduced premiums and penalizes those who have caused accidents - application varies by formula
Casco/Omnium Coverage (Optional)
All-risk vehicle damage coverage available in Comfort and Performance formulas - includes fire, theft, glass breakage, collisions with animals, and material damage
Three insurance formula structure
easyPROTECT Auto is structured as: Security (mandatory Civil Liability only with options), Comfort (with Casco and optional add-ons), Performance (comprehensive with bonus protection)
Optional Guarantees and Customization
All formulas allow addition of optional guarantees including Driver Cover, Accident Cover (Death, Disability, Medical expenses), Legal Protection, Luggage coverage, and specialized coverage for electric/hybrid vehicles
Tacit Renewal and Cancellation Terms
Contract extends year-to-year with tacit renewal unless terminated - cancellation must be requested by registered letter 30 days before annual expiry, with 60-day notice required after rate increase