Insurance review: make sure you are properly insured

Well covered. No more, no less.

An insurance contract taken out three years ago is not necessarily suited to your current situation. A move, a new job, the arrival of a child or simply a change in your financial situation can create gaps between what you pay for and what you actually need.

The insurance review allows you to review all of your policies (auto, home, liability, provident, savings and life insurance) to identify what is superfluous, what is missing and what needs to be adjusted.

At Baloise, this review is free of charge and without commitment.

What exactly is an insurance review?

The goal is to understand your situation as a whole: your daily life, your family, your property, your projects and to check that your insurance is adequate.

Specifically, your Baloise agent is interested in what really concerns you:

Your vehicle: if you have an accident tomorrow, are you covered for what you risk? Are you protected as a driver?
Your home and your belongings: in case of theft, water damage or fire, could you replace everything without financial difficulty?
Your liability: if you unintentionally cause damage to a third party, who pays?
Your family: in the event of death or disability, are your loved ones safe?
Your savings: have you thought about your retirement?

The review also makes it possible to identify what is unnecessarily duplicated and what is missing. At the end of this exchange, you’ll have a clear and reliable view of your real protection, with recommendations suited to your situation.

Why do an insurance review in Luxembourg?

Because your situation changes and, often, your insurance is not adjusted adequately.

You signed your first contracts a few years ago. Since then, you may have made changes to your property, had children, adopted a dog, discovered a new passion. At each stage of life, there are changes that you have to protect.

Yet most people never review their insurance from year to year. The result: coverage that no longer corresponds to reality, duplicates that lead to unnecessary costs and, sometimes, gaps that only appear at the time of a claim: too late.

When should you take stock of your insurance?

There is no wrong time, but some situations make the exercise particularly relevant:

You have made improvements to your home: installation of a shed, installation of solar panels, construction of a swimming pool.
Your family situation has changed: marriage, civil partnership, birth, separation.
You have changed your job or status: self-employment, new employer, retirement.
You have not reviewed your contracts for more than three years: this is often enough for discrepancies to appear.
You suspect that you may be paying too much: the review makes it possible to rationalize without sacrificing protection.

How can you obtain a personalized insurance review?

The easiest way is to make an appointment with a Baloise agent in Luxembourg. During this meeting, you will take stock of your current needs (car, home, travel, savings, provident) and your future projects. Your agent analyses your situation, identifies any gaps and discusses the most appropriate solutions with you.

The review is free of charge, without commitment and remains confidential. You can contact an agent directly or fill out the form below.

4-step process:

Make an appointment: by phone, online or with your agent.
Personal interview: analysis of your current contracts and your needs.
Feedback: summary of gaps and concrete recommendations.
Action plan: you decide freely what adjustments to make.

Make an appointment for my free review

Provide your details below. An agent will contact you quickly to establish your personalized offer, without commitment.

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Data policy

By ticking this box, you agree that the personal data provided in the context of your online procedure will be processed for the performance of pre-contractual and contractual measures by Baloise Luxembourg, and agree to be called back by telephone for the purpose of considering your request. Your data is kept for the time necessary to achieve the purposes for which it was collected. For more information, please see our data policy.

Find your agent

Which contracts are considered for the review?

The Baloise review covers all your insurance needs. Here are the main areas examined.

What is verified	Area
Level of coverage (CL, partial or full casco), deductible, vehicle value, assistance.	Car insurance
Insured amounts, guarantees for theft/fire/water damage, reconstruction value, rental liability.	Home insurance
Family cover, limits, presence of a pet.	Civil liability for private life
Incapacity for work, disability, death benefit...	Supplemental Insurance
Beneficiary clause, tax benefits (art. 111bis), adequacy for your objectives.	Life insurance and savings
Coverage abroad, repatriation assistance, cancellation.	Travel Insurance

Frequently Asked Questions on the insurance review

How can you obtain your insurance history in Luxembourg?

No need to prepare everything alone before the appointment. Your Baloise agent can help you gather the history of your current contracts and guarantees. If you wish, you can find your documents directly via your myBaloise space, accessible 24/7. The easiest way is to come as you are: we can discuss matters together, starting from your current situation.

Is the insurance review free of charge and without obligation?

Yes, the review is completely free and without subscription obligation. This is a confidential exchange with a local agent in Luxembourg, who then gives you clear and personalized recommendations. You are then free to decide what action to take.

Do I have to be a Baloise customer to request a review?

No. The review is open to everyone, even if your current policies are underwritten by other insurers. The consultant analyses your overall situation, regardless of your history.

Can I do the review remotely?

Yes. The review can be done by video conference or by telephone.

How often should a review be done?

It is recommended to review your insurance every two to three years, or as soon as a significant change occurs in your life (move, purchase, birth, professional change).

Does the review also cover life insurance and savings?

Yes. The Baloise review is not limited to the car and the home. It includes life insurance, pension savings and provident insurance, to give you a complete view of your financial protection.

Is your car still covered under full casco when it is no longer justified or vice versa?

Frequent cases:

Old vehicle still under full casco: you are overinsured
Recent vehicle covered for CL only to save money: you are underinsured
Unique vehicle covered for CL only because old: you are underinsured