For a craftsman, a business owner or farmer, a vehicle is first and foremost a work tool. Drive Pro protects it as such: covering the equipment and goods being transported, providing compensation in the event of the vehicle being off the road, and offering a pricing structure designed for businesses.
What you’re carrying is just as important as the vehicle itself. Tools, stock, goods: the Transport Pro Package covers your professional equipment and the goods you’re carrying in the event of an accident.
As a vehicle that is off the road can slow down your business, we will pay you a daily allowance for the duration of the breakdown. Up to 200 euros per day, depending on the level of cover you have chosen.
With Drive Pro, legal entities are no longer subject to the bonus-malus system: pricing is based on criteria such as the company’s profile, vehicle usage and actual claims history.
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Damage Pack
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pro Pack
- Replacement vehicle
- Frais Immobilization costs
- Modification Pro Pack
- Fittings and accessories
Machinery breakdowns
- Fittings and accessories
- Pro Transport Pack
- Equipment and goods carried
- Options
- Increased value
- No-claims bonus protection (not available to legal entities)
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Material damage
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pro Pack
- Replacement vehicle
- Frais Immobilization costs
- Modification Pro Pack
- Fittings and accessories
Machinery breakdowns
- Fittings and accessories
- Pro Transport Pack
- Equipment and goods carried
- Options
- Increased value
- No-claims bonus protection (not available to legal entities)
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Damage Pack
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pro Pack
- Replacement vehicle
- Frais Immobilization costs
- Modification Pro Pack
- Fittings and accessories
Machinery breakdowns
- Fittings and accessories
- Pro Transport Pack
- Equipment and goods carried
- Options
- Increased value
- No-claims bonus protection (not available to legal entities)
The guarantees
- Third-party liability
- Legal defence and claims
- Protected driver
- Breakdown and accident assistance
- Material damage
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
- Mobility Pro Pack
- Replacement vehicle
- Frais Immobilization costs
- Modification Pro Pack
- Fittings and accessories
Machinery breakdowns
- Fittings and accessories
- Pro Transport Pack
- Equipment and goods carried
- Options
- Increased value
- No-claims bonus protection (not available to legal entities)
These guarantees can be added to the ‘Essential’ package
- Fire
- Theft
- Glass breakage
- Natural disasters
- Animal collision
If you take out an "Intégral Plan", your vehicle is already covered for these various types of damage.
- A replacement vehicle for up to 60 days, depending on the level of cover chosen.
- Compensation for loss of use of up to 200 euros per day, depending on the level of cover chosen.
In the event of a breakdown, an accident or even glass breakage, you are entitled to a loan car. You may be entitled to compensation for loss of use if your vehicle is not replaced.
Fittings and accessories
- Cover for vehicle wrapping or paintwork protection.
- Cover for specific fittings (commercial vehicles, etc.).
- Cover for technical and professional equipment fitted to the vehicle.
- Cover limits depending on the level chosen (up to €30,000).
- Cover for lettering, vehicle wraps and paint protection.
Machinery Breakdown
Machinery, installations and technical equipment fitted to your vehicle and used in the course of your professional activities are covered against:
- internal mechanical breakdown;
- internal electrical damage.
You have personalised your vehicle; Drive Pro protects your specific equipment and fittings. You are covered in the event of a claim, without having to provide proof of each addition.
Guarantee:
- Professional equipment.
- IT and multimedia equipment.
- Materials and goods in transit.
- Increased value
Bonus-malus protection (not available to legal entities, for whom the no-claims bonus scale does not apply)
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 45 days | Max 60 days |
| Immobilization costs | 75 € /day | 125 € /day | 200 € /day |
| Modification Pro Pack | |||
| Fittings and accessories | 10 000 € | 20 000 € | 30 000 € |
| Specific modifications | 5 000 € | 10 000 € | 15 000 € |
| Transport Pro Pack | |||
| Equipment / Goods carried | 5 000 € | 10 000 € | 15 000 € |
Would you like us to get back to you with a Drive Pro quote? Simply fill in this form:
Drive Pro is a commercial motor insurance policy designed to protect the self-employed, tradespeople, shopkeepers, professionals and businesses during their daily business journeys. It covers both the vehicle and the business activity carried out using it.
Both plans include basic cover: third-party liability, legal defence and recourse, breakdown and accident assistance, and driver protection. The "Intégrale plan" adds cover for damage such as theft, fire, glass breakage, weather-related events, collisions with animals and property damage.
Drive Pro covers cars and vans registered in Luxembourg with a maximum authorised weight of 3.5 tonnes that are used for business purposes.
Yes. Travel relating to your declared occupation, journeys between home and work, and private travel are covered in accordance with the terms set out in the policy.
The cover includes theft of the vehicle, damage caused during an attempted theft, and certain parts and equipment of the vehicle.
Yes. Thefts carried out by intercepting or replicating the signal from electronic keys are covered in the same way as conventional vehicle theft.
Yes. Damage directly caused by weather events may be covered if it is included in the cover taken out.
Yes, under the Intégrale Plan. The cover includes, in particular, the windscreen, side windows, rear window, wing mirrors and certain driver-assistance features.
Yes. Damage to the traction battery may be covered if it results from a covered incident.
Yes. A specific insurance cover provides cover for tools, professional equipment, IT and multimedia equipment, or goods carried in the vehicle for the purposes of your business.
Yes, provided they belong to you or are used in the course of your work, and the relevant option has been taken out.
Yes. Commercial fittings, specialist equipment, lettering, vehicle wraps and accessories may be covered by a dedicated warranty.
Yes. Professional machinery and equipment fitted to the vehicle may be covered against accidental damage or theft, depending on the cover options selected.
Yes. Breakdown and accident assistance is included in the basic cover and is available 24 hours a day, 7 days a week in the event of a breakdown, accident or theft resulting in the vehicle being immobilised.
Yes. Depending on the level of cover you choose, a replacement vehicle may be provided for up to 30, 45 or 60 days to minimise the impact of your vehicle being off the road on your business.
Yes. You can choose the ‘immobilisation costs’ option, which provides for the payment of a daily allowance whilst the vehicle is off the road.
In the event of a total loss following a covered incident, this option entitles you to compensation in excess of the vehicle’s standard market value.
Yes. Drivers who are private individuals are eligible for protection of their no-claims bonus for third-party property damage, so that an initial claim does not affect their no-claims bonus level.
Yes. Drive Pro has been designed to protect the company vehicle, the company’s mobility and the tools required for its day-to-day operations.