mobilé
mobilé is a motor third-party liability insurance for the LU market with online purchase and 24/7 assistance.
Direct payment
Foyer pays third-party victims directly for bodily injury and property damage caused by the insured in an at-fault accident. For repairs, insured is directed to Foyer partner garage network; direct settlement with partner garages is standard.
Geographic scope
Grand Duchy of Luxembourg
RC liability cover valid in all countries listed on the green card (standard Green Card territory); vehicle damage cover valid in Green Card member states
Unique selling points
- Foyer's 'Protected Driver' cover extends personal injury protection beyond the car to bicycle, scooter, and public transport journeys — a coverage breadth rarely included as standard by competitors.
- Foyer does not apply a bonus-malus penalty for collisions with wild or stray animals, unlike other Luxembourg insurers.
- Mobility Joker is automatically included in the Zen plan, providing up to three free taxi or driver journeys per year within 70 km when the policyholder cannot drive safely.
- Foyer's partner garage network across the Greater Region enables direct settlement and quality-assured repairs without the insured having to advance repair costs.
- The Zen plan — chosen by 68% of Foyer clients in Luxembourg — bundles comprehensive Casco, Mobility Joker, and bonus protection into a single flagship package with 24/7 assistance included.
Coverage limits
Bodily injury liability
Covered
Luxembourg MTPL law requires unlimited bodily injury liability cover for sinistres on Luxembourg territory. Foyer mobilé RC covers all bodily injury caused to third parties including passengers, per Luxembourg mandatory insurance legislation.
Property damage liability
Covered
Luxembourg MTPL RC covers property damage caused to third parties. Exact sub-limits vary by contract and sinistre territory; the guarantee amount is described as unlimited for Luxembourg-territory claims under the applicable mandatory insurance legislation.
Legal defence
Covered
Standard legal cover: legal defence and recovery action against responsible third parties. Extended legal cover (option): covers civil proceedings costs and defence of legal interests following a claim, vehicle purchase/sale dispute, garage repair dispute, or criminal defence.
Green Card (International Insurance Certificate)
Covered
The international insurance certificate (green card) is issued automatically with the policy and extends RC liability coverage to all countries listed on the green card. Foyer car insurance covers the insured across Luxembourg and beyond its borders.
24/7 Roadside Assistance
Covered
Whether the accident occurs in Luxembourg or abroad, Foyer provides 24-hour roadside assistance covering recovery, repatriation costs, accommodation costs, and travel continuation costs. A separate optional breakdown assistance add-on dispatches a mechanic 24/7 for breakdown, puncture, wrong fuel, no fuel, or lost key, and arranges a 5-day replacement vehicle if recovery is not possible.
Driver accident
Up to €250,000 or €1,000,000 (choice of level)
Conducteur protégé (protected driver): bodily injuries suffered in a road accident, whether at fault or not, are compensated under common law for the named driver. Two intervention ceiling options: €250,000 or €1,000,000. Optional cover, tax-deductible under Art. 111 LIR.
Passenger accident
Covered under MTPL RC (unlimited bodily injury); optional forfaitaire accident guarantee also available
Passengers are covered as third parties under the mandatory RC (MTPL) for bodily injury, per Luxembourg law. An optional forfaitaire 'Garantie accident' additionally covers the driver and/or passengers for death, disability or treatment costs resulting from a road accident.
Key conditions
territorial_scope
Third-party liability (RC) cover is valid in all countries listed on the international green card. Foyer car insurance covers the insured across Luxembourg and beyond its borders. The green card territory covers standard European Green Card member states.
green_card_rules
The green card (international insurance certificate) is issued automatically with the policy. It certifies the existence of compulsory third-party liability cover in the countries listed. A digital version of the certificate is accepted under Luxembourg law (as PDF, download from customer area, or photo of paper certificate).
driver_restrictions
The policy covers all authorised drivers named in the policy. The driver is the only person not automatically covered for their own injuries under mandatory TPL; optional 'Protected Driver' cover is required for driver personal injury protection. Drivers without a valid driving licence are excluded.
claim_notification_deadline
Claims must be notified to the insurer as soon as possible. The standard deadline under Luxembourg insurance contracts is 8 days following the occurrence of the claim (standard deadline confirmed across Luxembourg insurers), except in cases of force majeure.
bonus_malus_rules
Luxembourg applies a dual bonus-malus system governed by the Grand Ducal Regulation of 11 November 2003 (last amended 29 March 2024). The RC scale runs from -3 (maximum bonus, 45% of base premium) to +22 (maximum malus, 250% of base premium), with a neutral base of 11 (100%). Each claim-free year reduces the level by 1; each at-fault accident increases the RC level by 3 points. Only the RC component of the premium is affected by the RC scale. Foyer also applies a separate material damage bonus-malus scale; optional bonus protection (Joker Mobilité) is available in Zen and Gold plans to prevent material damage level increases. The RC bonus-malus is attached to the driver, not the vehicle, and is non-transferable between drivers.
Policy specifics
Mobility Joker
Free taxi or driver services up to three journeys per year within 70 km radius when unable to drive
Replacement Vehicle
Loan vehicle provided for 5 to 15 days following an accident, extendable to 30-60 days if vehicle stolen or beyond repair
Protected Driver
Coverage for driver injury or disability in at-fault accidents; covers driver, passengers, cyclists, scooter users, and public transport users
New-for-Old Value
Vehicle retains purchase or replacement value for compensation up to three years old instead of depreciating annually
Bonus Protection
Protects bonus-malus level from increase following material damage claims; prevents premium increases from property damage claims
Personal Belongings Coverage
Covers repair or replacement of luggage, personal items, multimedia equipment (laptop, smartphone, GPS) in vehicle
Partner Garage Network
Foyer relies on network of carefully selected partner garages for repairs, combining expertise and high-end services
24/7 Assistance
Round-the-clock assistance whether accident occurs in Luxembourg or abroad, including recovery, repatriation, accommodation and travel continuation costs
Breakdown Assistance
24/7 mechanic dispatch for breakdown, puncture, wrong fuel, no fuel or lost key; vehicle recovery and replacement car for five days if service not possible
No Claims Penalty for Animal Collision
Foyer does not apply claims penalty in event of collision with wild or stray animal, unlike other insurance companies