Car Insurance

When choosing your shoes or your car, one of your utmost important criteria is quality. easyPROTECT Auto car insurance allows you to move around easily and to enjoy your freedom with a good conscience.

In fact, you are never fully protected behind the wheel: a simple dent, a cracked or broken windscreen, the theft of your luggage, a traffic accident or any other unpredictable incident that could damage your vehicle or even worse cause injury to yourself, those close to you or any third party.

Feel safe and secure: easyPROTECT Auto includes all the most essential guarantees and much more.

A third party car liability cover is mandatory in Luxembourg and covers the victims of road accidents. It compensates people injured once liability is established on the part of the owner, holder or driver of the insured car or any person in it.

Family members are considered as 'third parties' when it comes to compensation for injury or loss. The cover is unlimited except for material damage caused by fire, flames or explosion.

Did you know that the driver is the only person who is never protected by his own Third Party Car Liability cover! Our optional driver protection guarantees 'Driver Cover' and 'Personal Accident Cover' are essential complements.

They fill a protection gap and any bodily injuries sustained by the driver, including medical treatment fees, medical care, loss of income in the event of a working disability or even death up to EUR 1 250 000.

This insurance extends to road traffic accidents in which the driver and his family are victims.

The insured sets the sums insured and can opt for a capital payment in the event of death or permanent invalidity or for the payment of a daily indemnity from the first day of hospitalisation and the reimbursement of medical costs.

At LALUX, you can have a 24/7 trailer and repatriation service as soon as you subscribe a Third Party Car Liability cover.

If your car is immobilised as a result of an accident or theft, you have the benefit of a breakdown service, passenger assistance and a replacement car 24/24 7/7 both in the Grand Duchy of Luxembourg and in other countries of the EU, Switzerland and Norway.

No automatic loss of bonus after a casco claim

In the event of accident or material damage without third parties being involved or in the event of damage without the guilty party being identified, there is not necessary a penalty. The 'Casco' guarantee of our 'Performance' formula covers the repairs to your car without any mandatory deductible and without affecting your bonus. 

Up to 3 years 'new replacement value” for cars less than one year old

The compensation paid in the event of total loss or theft will be equal to your car’s new value for 36 months from the date of the car’s first registration.

'Purchase value' of used cars

Vehicles aged between 1 and 3 years also benefit from increased cover. LALUX will cover the purchase value of your vehicle in case of a covered incident. You can add this guarantee to your 'Security' formula where it applies to the fire, theft and glass breakage guarantees or opt for it when subscribing to a 'Comfort' or 'Performance' formula. In that case, it applies to all of the subscribed guarantees. 

Replacement vehicle

In the event of theft or total loss of your car, we will provide you with a replacement car for up to 36 days ('Comfort' and 'Performance' formula).

With the additional 'Provision of superior category replacement vehicle' cover extension, you will be sure to be provided with a replacement vehicle that meets your personal comfort requirements.


Damage assessment by an independent expert
In the event of a claim or total loss, the damage assessment will be made by an independent expert approved by the “Order of Experts”.