- Essential covers automatically included
- Limited mileage available to all
- Technical modifications covered
In Luxembourg, driving well-insured starts with useful covers - even in the basic plan.
With Baloise, car insurance always includes the protected driver cover - to compensate bodily injury even when at fault - as well as 24/7 roadside assistance, both in Luxembourg and abroad.
These covers meet your needs without requiring additional options. A clear and efficient protection designed for your everyday use.
- Driver protection.
- Assistance.
These covers are included in the basic plan.
- An accident? Benefit from a replacement vehicle for a set period defined at subscription (up to 60 days).
- Made modifications to your vehicle (wrapping, suspension, etc.)? They are covered in the Mmodifications pack.
- Don't drive much? Enjoy the limited mileage plan—open to everyone.
- Selling your old vehicle? It's covered until the sale.
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Assistance
- Roadside assistance
- Damage Pack
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pack
- Replacement vehicle
- Transported goods and luggage
- Taxi
- Modification Pack
- Specific modifications
- Accessories & branding
- Vehicle value protection / buy-back
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Assistance
- Roadside assistance
- Material damage
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pack
- Replacement vehicle
- Transported goods and luggage
- Taxi
- Modification Pack
- Specific modifications
- Accessories & branding
- Compensation Pack
- Vehicle value protection / buy-back
- Bonus-malus protection for material damage
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Assistance
- Roadside assistance
- Damage Pack
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pack
- Replacement vehicle
- Transported goods and luggage
- Taxi
- Modification Pack
- Specific modifications
- Accessories & branding
- Vehicle value protection / buy-back
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Assistance
- Roadside assistance
- Material damage
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pack
- Replacement vehicle
- Transported goods and luggage
- Taxi
- Modification Pack
- Specific modifications
- Accessories & branding
- Compensation Pack
- Vehicle value protection / buy-back
- Bonus-malus protection for material damage
Add this pack to the "Essentiel" plan to protect your vehicle against:
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
If you choose the "Intégrale" plan, your vehicle is already protected for these types of damage.
- A replacement vehicle for up to 60 days, depending on selected level.
- Cover for transported goods and luggage.
- Taxi cover included if you are unable to drive (up to twice a year).
In the event of a breakdown, accident, or even glass breakage, you get a replacement vehicle suited to your needs, with no unpleasant surprises. Your personal belongings are also protected.
Stay mobile, even when your car isn't.
- Accessories covered (bike racks, roof boxes, etc.)
- Wrapping or paint protection covered.
- Support for specific modifications (e.g. professional vehicles, taxis).
- Cover amounts based on selected level (up to €15,000).
Whether you’ve personalised your vehicle for leisure or work, Drive protects your equipment and modifications. You're covered in case of a claim, without needing to justify each change.
- Buy-back of your vehicle at purchase or appraised value (depending on vehicle age).
- Bonus-malus protection for material damage in case of a claim (free if you have a -3 bonus).
Your vehicle is temporarily not in use (in storage, awaiting sale, under long-term repair)? The "off-road" plans allow you to continue protecting it from major risks—without paying for unnecessary cover.
Two levels tailored to your needs:
- Essential off-road plan: Third-party liability, fire, legal defence & claims
- Comprehensive off-road plan: Third-party liability, fire, theft, glass breakage, natural disasters, animal collision, and legal defence & claims
➡️ For parked and unused vehicles.
This is a non-exhaustive list of available packs. For the full list, don’t hesitate to ask your agent.
Mobility and Modification packs are available in 3 levels depending on your needs:
| Pack Type | Level 1 | Level 2 | Level 3 |
|---|---|---|---|
| Mobility pack | |||
| Replacement vehicle | Max 30 days | Max 45days | Max 60 days |
| Luggage & goods | € 500 | € 1 000 | € 3 000 |
| Taxi | 2x /year | 2x /year | 2x /year |
| Modification pack | |||
| Accessories & branding | € 500 | € 1 500 | € 5 000 |
| Specific modifications | € 5 000 | € 10 000 | € 15 000 |
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Third-party liability insurance (RC auto) is required to cover damage to others. Without it, a vehicle cannot be driven or registered.
Find all you need to know in our insurance car guide in Luxembourg.
Third-party insurance covers only damage to others. Fully comprehensive (Casco) also covers damage to your own vehicle, even if you are at fault.
The bonus-malus scale ranges from 22 to -3:
- 22 is the highest malus
- 11 is neutral
- -3 is the best bonus
Each claim-free year lowers your premium by 1 point; an at-fault accident increases it by 3 points. This system encourages cautious driving.
An at-fault accident usually results in a 3-level increase on the scale, raising your premium. However, you can opt for a "Material Damage Bonus Protection" guarantee that maintains your level after the first claim.
You can log in to your online account myBaloise and file a claim 24/7.
Alternatively, visit an agency or contact your agent directly.
The price depends on the driver profile (age, history), the vehicle (power, value), usage (private/professional), and the chosen cover.
The best insurance is the one that suits your needs. Compare quotes based on cover, deductibles, price, customer service, and exclusions. A personalised quote helps you find the best fit.
Most Luxembourg insurers require local registration. It's advised to register your vehicle in Luxembourg before getting insured.
Yes, if you’ve selected the relevant options in your policy, events like hail, storms or floods are generally covered in Luxembourg.
All insurers offer budget options, at a minimum covering third-party liability. The exact price depends on your profile and vehicle. Comparing quotes is the best way to find your most affordable option.