Our company
LA LUXEMBOURGEOISE was the very first Luxembourg insurance company active in the Grand Duchy in 1920. Shortly after its constitution, it set up its offices on the corner of “Boulevard Royal-Grand-Rue”.
The business very quickly began to develop its activities in the insurance field and to diversify its range of services in the banking sector, although changes in the law meant that this activity had to be abandoned in 1970.
In view of the unique European market, in 1989 the company split its life and non-life insurance activities and created two separate subsidiaries. It was at this point that the Spuerkeess (Banque et Caisse d’Épargne de l’État) joined the capital of these two new entities. Since then, the Luxembourg identity and roots have been strengthened within the two companies.
LA LUXEMBOURGEOISE group currently employs about 500 staff in the Grand Duchy. The country has one of the country’s largest networks, with more than 700 agents including 100 professionals across the country.
29 February 1920
- Start of Non-Life Insurance and Banking activities
- Name: LA LUXEMBOURGEOISE, Société Anonyme d’Assurance et de Placement (Insurance and Investment Limited Company
- 1st head office: Avenue Marie-Thérèse, then corner Boulevard Royal and Grand-Rue
1937
- Start of Life Insurance activities
1942
- Dissolution of the company by the German occupier
1944
- Restart of activity after World War II
1968
- Acquisition of the Helvetia portfolio
1969
- End of Banking activities as a result of the law of 6 September 1968 concerning the control of insurance companies
- Creation of a new Luxembourg banking company on 22.12.1969 called the “Banque du Benelux – LA LUXEMBOURGEOISE”
- Occupation of the new administrative building in the rue Aldringen
1970
- Transfer of the head office to 10, rue Aldringen
- New company name: LA LUXEMBOURGEOISE, Société Anonyme d’Assurances
1971
- Start of computerisation of the company
- Start of construction of a new building, corner of Boulevard Royal and Grand-Rue
1975
- Acquisition of the Luxembourg automobile portfolio of the Belgian company A.G. of 1830 (later Fortis)
1981
- Acquisition of the Luxembourg portfolio of the French company LE GAN Incendie Accidents
1989
- The separation of the insurance activities and creation of 2 new companies:
- LA LUXEMBOURGEOISE and LA LUXEMBOURGEOISE-Vie.
1996
- Constitution of LA LUXEMBOURGEOISE RE
1999
- Creation of Pecoma International (Pension Consulting and Management) with the Compagnie Fiduciaire and the Banque et Caisse d’Épargne de l’État
2002
- Acquisition of 25% holding in DKV Luxembourg
- Introduction of the Sickness portfolio
2003
- Acquisition of 10% holding in LIA (Lux Investment Advisors) with the Banque et Caisse d’Épargne de l’État (Spuerkeess)
2005
- Use of brokers to implement the reinsurance programme
2011
- Creation of the LALUX brand in verbal, advertising and marketing communications
- Launch of a new visual identity and graphic layout
- Moving the new head office to Leudelange
- New slogan : lalux – meng Versécherung
2015
- Acquisition of 'DKV Luxembourg'
2020
- LALUX celebrates it's 100th anniversary
- Acquisition of the “employee benefits” activity of the luxembourgish insurance company Cardif Lux Vie
- LALUX is elected favourite brand in Luxembourg
2021
- New slogan: Don't worry, be happy!
- Release of easyAPP, the mobile application from LALUX Group
SPUERKEESS
Since its foundation in 1856, the Banque et Caisse d'Épargne de l'État, Luxembourg (Spuerkeess) has had the Luxembourg State as its sole shareholder.
The Bank’s statutory missions are to promote savings, facilitate access to housing and support the development of the national economy.
Today, Spuerkeess is both the leader in the domestic retail banking and SME markets and is a universal and systematic bank, recognized well beyond the borders of the Grand Duchy of Luxembourg.
International rating agencies have awarded the bank with AA+ (Standard & Poor’s) and Aa2 (Long Term Deposit Rating, Moody’s) respectively.
Spuerkeess offers its customers the densest branch and ATM networks in the country as well as, with S-Net / S-Net Mobile, the most innovative and popular online banking solution with more than 250,000 users.
Vereinigte Hagelversicherung VVAG
- Luxembourg Branch -
In 1993 the Norddeutsche Hagel and the Leipziger Hagel amalgamated their skills to create the Vereinigte Hagel. Now the largest hail insurance company in Europe, the Vereinigte Hagel is a member of the AGRORISK group and insures farmers, winegrowers and market gardeners in Germany, Luxembourg, France and Italy.
R+V Vereinigte Tierversicherung Gesellschaft a.G. (VTV)
LALUX is widening its range of insurance products in collaboration with the company Vereinigte Tierversicherung Gesellschaft a.G. (VTV), a member of the R+V insurance group.
Through its intermediary it can offer horse insurance, exclusively on the Luxembourg market. This is intended for equestrians, riders and owners of horses for riding, racing or breeding. VTV is the leading insurer in the equestrian field in Germany and has more than 130 years of experience.
PECOMA Acturial and Risk S.A.
Actuarial and risk consulting for occupational pensions and insurance companies
PECOMA Actuarial and Risk S.A. is a company dedicated to the provision of consulting and advisory services in the area of pensions. They also advise insurance and reinsurance companies.
PECOMA supports its clients in structuring their pension and risk benefit plans and advise them in the selection of the appropriate funding vehicle. They also provide the full range of services in respect of actuarial valuations, management and the administration of the different types of pension plans and pension funds.
LALUX Group subcontractors
The protection and respect of professional secrecy and the confidentiality of customer data are a priority for La Luxembourgeoise Group.
As part of an approach designed to provide the best possible support for its customers and offer them more effective services, La Luxembourgeoise Group may call on specialist service providers, some of whom use cloud computing technologies. In this respect, certain information relating to customer data may be communicated to these subcontractors by means of technical and technological resources subject to the most stringent security standards.
If, for certain services, a Group company needs to communicate information to its specialised service providers, it undertakes to do so in strict compliance with the regulations in force. It also ensures that all customer data is protected by specific provisions in the contracts it concludes with its service providers.
You will find below all the information concerning the service providers used by the companies of La Luxembourgeoise Group.
Only the French version of the LALUX website is binding.
LA LUXEMBOURGEOISE Société Anonyme d’Assurances (« LALUX »)
Insurance documents
LALUX uses a Luxembourg-based service provider for its centralised printing and distribution of insurance documents (contracts, amendments, etc.). The service provider is specialised in this field and is “PSF” approved.
As part of the subcontracting, the service provider receives personal identification data (last name, first name, date of birth, telephone number, e-mail address, postal address, gender, etc.).
Motor vehicle assistance
LALUX uses a Belgium-based service provider to provide motor vehicle assistance under the Top Assistance guarantee (claims management). This specialist assistance provider is a subsidiary of a large regulated French group.
As part of the subcontracting, the service provider receives the personal data needed to manage the insurance contract (driving licence number, registration plate number, data relating to previous insurance contracts, etc.).
Home assistance
LALUX uses a Belgium-based service provider to provide home assistance under the Home Assistance guarantee (claims management). This specialist assistance provider is a subsidiary of a large regulated French group.
As part of the subcontracting, the service provider receives personal data needed to manage the contract, as well as personal data relating to the home (owned or rented property, data relating to previous insurance contracts, etc.).
Operational IT maintenance
LALUX uses a Bulgaria-based service provider that specialises in the development of insurance solutions for the maintenance of its business applications and information systems.
As part of the subcontracting, the service provider receives personal identification data required to manage the contract (last name, first name, date of birth, telephone number, e-mail address, postal address, gender, driving licence number, registration plate number, owned or rented property, data relating to previous insurance contracts, etc.).
Various IT services
In the context of various IT services including the purchase of licences, the digitisation of internal processes, etc., LALUX uses a number of Luxembourg-based IT service providers.
As part of the subcontracting, the service provider receives personal identification data as well as personal data required to manage the contract (surname, first name, date of birth, telephone number, e-mail address, postal address, gender, driving licence number, registration plate number, owned or rented property, data relating to previous insurance contracts, etc.).
Accounting IT system
LALUX uses a Luxembourg-based service provider that specialises in the most widely used accounting system on the market for its services relating to the maintenance and development of the accounting application system.
As part of the subcontracting, the service provider receives personal data of an economic and financial nature (bank details, insurance premiums paid, amounts indemnified, etc.).
LA LUXEMBOURGEOISE-VIE Société Anonyme d’Assurances (« LALUX-VIE »)
Insurance documents
LALUX-VIE uses a Luxembourg-based service provider for its centralised printing and distribution of insurance documents (contracts, amendments, etc.). The service provider is specialised in this field and is “PSF” approved.
As part of the sub-contracting, the service provider receives personal identification data (last name, first name, date of birth, telephone number, e-mail address, postal address, gender, national identification number, etc.).
Operational IT maintenance
LALUX-VIE uses a Luxembourg-based service provider specialising in the development of insurance solutions for the maintenance of its business applications and information systems.
As part of the subcontracting, the service provider receives personal identification data required to manage the contract, economic and financial data, data relating to professional life and data relating to personal life (insurance premiums paid, capital guaranteed, income, tax situation, financial situation, tax number, date of entry into pension scheme, salaries and bonuses, data relating to previous insurance contracts, profession, sector of activity, etc.).
Various IT services
LALUX-VIE uses a number of Luxembourg-based IT service providers for a variety of IT services, including the purchase of licences and the digitisation of internal processes.
As part of the subcontracting, the service provider receives personal identification data, personal data required to manage the contract, personal data of an economic and financial nature, data relating to professional life as well as data relating to personal life (insurance premiums paid, capital guaranteed, income, tax situation, financial situation, tax number, date of pension commencement, salaries and bonuses, data relating to previous insurance contracts, profession, sector of activity, etc.).
Accounting IT system
LALUX-VIE uses a Luxembourg-based service provider that specialises in the most widely used accounting system on the market for its services relating to the maintenance and development of the accounting application system.
As part of the subcontracting, the service provider receives personal data of an economic and financial nature (bank details, insurance premiums paid, payments on maturity or surrenders, etc.).
DKV Luxembourg Société Anonyme (« DKV Luxembourg »)
Insurance documents
DKV Luxembourg uses a Luxembourg-based service provider for its centralised printing and distribution of insurance documents (contracts, amendments, etc.). The service provider is specialised in this field and is “PSF” approved.
As part of the subcontracting, the service provider receives personal identification data (last name, first name, date of birth, telephone number, e-mail address, postal address, gender, etc.).
Operational IT maintenance
DKV Luxembourg uses a market-leading service provider based in Germany for the maintenance of its business applications and information systems.
As part of the subcontracting, the service provider receives personal identification data (surname, first name, date of birth, e-mail address, postal address, etc.) and personal data required to manage the contract (amounts of healthcare reimbursed, etc.).
Various IT services
DKV Luxembourg uses a number of Luxembourg-based IT service providers for a variety of IT services, including the purchase of licences and the digitisation of internal processes.
As part of the subcontracting, the service provider receives personal identification data and personal data required to manage the contract (amounts reimbursed for healthcare, etc.).
Health assistance / call centre
DKV Luxembourg’s health assistance (repatriation in the event of illness) uses a service provider responsible for call centre activities outside company opening hours, including weekends and public holidays. This Belgium-based specialist service provider is a subsidiary of a large regulated French group.
As part of the subcontracting, the service provider receives personal identification data (last name, first name, telephone number, e-mail address, postal address, type of cover taken out, gender, etc.).
Health assistance / repatriation
DKV Luxembourg’s health assistance (repatriation in the event of illness) uses a service provider responsible for repatriation activities outside company opening hours, including weekends and public holidays. This Austria-based service provider is the world leader in repatriation by air.
As part of the subcontracting, the service provider receives personal identification data (last name, first name, telephone number, e-mail address, postal address, type of cover taken out, gender, etc.).
Third-party payment services
DKV Luxembourg uses a service provider based in France to set up third-party payment for eligible persons. This specialised service provider uses a system that has been in use on the French market for over twenty years.
As part of the subcontracting, the service provider receives personal data relating to health (national insurance number, invoices, medical reports, medical prescriptions, information relating to care, etc.).
Accounting IT system
DKV Luxembourg uses a Luxembourg-based service provider that specialises in the most widely used accounting system on the market for its services relating to the maintenance and development of the accounting application system.
As part of the subcontracting, the service provider receives personal data of an economic and financial nature (bank details, insurance premiums paid, amounts indemnified, reimbursed health services, etc.).