Drive with peace of mind easyPROTECT Auto takes care of you and your car!

easyPROTECT Auto Insurance

easyPROTECT Auto Insurance

Auto, motorcycle and other vehicle insurance

Insurance for your car, motorcycle or other types of vehicle

Whether it’s for private or professional travel, family outings or solitary strolls, your car accompanies you on several everyday journeys. With easyPROTECT Auto from LALUX, take advantage of flexible and fully customisable insurance

The easyPROTECT Auto insurance offers you tailor-made cover that meets your needs perfectly: choose the cover that suits you and add extra options as you wish. 

Thanks to our market-exclusive Performance formula (with Casco/Omnium), you can enjoy optimum protection against all types of damage, with no unexpected costs! Opt now for the services of Luxembourg's preferred insurer.

Car insurance: the advantages of LALUX

Replacement vehicle

Your mobility is guaranteed whatever happens: up to 5 days in the event of a breakdown, up to 15 days in the event of a covered accident, up to 60 daysin the event of theft. Additional extensions are available as an option if you wish.

No deductibles in the event of a covered claim

From the Comfort formula onwards, benefit from full reimbursement in the event of a guaranteed claim. No excess for young drivers, if they are listed as drivers in the contract.

Bonus protection following material damage

With the Performance package, there is no premium increase due to material damage to your vehicle.

easyPROTECT – a service of excellence

You don't need to pay any advances for your repairs, LALUX takes over and pays the service providers directly in the event of a guaranteed claim.
Satisfaction guaranteed: 98% of our customers are satisfied with the handling of their claim and 96% of our customers are prepared to recommend us.

Replacement or purchase value

In the event of total loss of your new or used vehicle of less than three years old, you will be reimbursed at its replacement value (new vehicle) or its purchased value (for vehicles aged less than one year) up to the age of three years.

Luggage and personal effects

In the event of theft or damage, your luggage, personal effects and luggage rack are covered, whether inside or attached to the outside of your vehicle.

Informational videos

easyPROTECT Auto

LALUX Taxi

Electric vehicle protection

Documents

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FAQs - Car insurance

What types of car insurance are mandatory in Luxembourg?

 

In Luxembourg, the only mandatory car insurance is civil liability (RC Auto). This is included in all of LALUX’s easyPROTECT Auto formulas. It covers physical and material damage caused to third parties. However, this cover never protects the driver in the event of injury or death. 
That’s why LALUX strongly recommends that you supplement your car insurance with a Driver Cover or an Accident Guarantee (Death, Disability, Medical costs). These supplementary guarantees are vital to ensure your personal protection, as the driver, and to guarantee your financial security in the event of an accident.

 

Discover which one corresponds to your needs!

Do LALUX car insurance policies also cover electric or hybrid vehicles?

 

In the event of a power cut, Top Assistance will tow you to the nearest recharging point.

In the event of theft through electronic piracy, your vehicle is covered, as are your accessories, including the charging cable, thanks to the Theft cover.

With the Protection option for hybrid or electric vehicles, you're covered in the event of a claim: the diagnosis of the battery, as well as its decontamination and recycling, are fully covered.

 

What does a car insurance cover?

Depending on the formula you choose (Security, Comfort or Performance), your car insurance can include the following guarantees:

  • Legal protection
  • Windscreen cover
  • Fire
  • Theft
  • All accidental damage
  • Assistance  
  • Replacement vehicle
  • Replacement value in the event of total loss
  • Luggage and personal property in the event of theft or damage

What criteria affect the price of car insurance?

The cost of your car insurance depends on several criteria, specifically:

  • The type of vehicle (power, model, age)
  • The vehicle use (private, professional or mixed)
  • The age of the main driver
  • The place where it is usually kept or parked (in a garage, on the road, etc.)
  • The driving history and the bonus-malus level
  • The existence of additional drivers, in particular young drivers
  • Guarantees and options chosen

How does the bonus-malus system work in Luxembourg?

The  bonus-malus system rewards accident-free drivers with reduced premiums, and penalises those who have caused an accident. With the easyPROTECT Auto Performance formula, your bonus is protected for material damage that is guaranteed through Casco: in this case your premium shall not increase.

Does car insurance cover natural disasters?

Yes. The “forces of nature” guarantee, included with the Comfort formula, covers climate events such as hailstones and storms.