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.

• Accessories covered (bike racks, roof boxes, etc.)
• Wrapping or paint protection covered.
• Support for specific modifications (e.g. customisation, adaptations for people with reduced mobility...).
• 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.

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.

• Battery cover: in the event of an accident or fire, the vehicle’s battery is covered.
• Breakdown and accident assistance: in the event of an ‘electrical breakdown’, you are covered by the breakdown assistance cover.
• Cable theft: your charging cable is covered in the event of theft under the fittings and accessories cover (optional).
• Free enodrive badge and priority advice from electris regarding battery installation.

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.