AXA Assurances Luxembourg

Auto, what to do in the event of an accident with an unidentified third party?

The procedure you should follow to have your damage repaired.

Auto, what to do in the event of an accident with an unidentified third party?

The procedure you should follow to have your damage repaired.

You were shopping and when you come back to your vehicle you notice that it has been hit by another driver who didn’t bother to leave their contact details.

Rest assured, you are covered if you have purchased OptiDrive auto insurance (Privilege package).

What should I do?

AXA Luxembourg : Quelle démarche suivre en cas d'accident de voiture sans tiers identifié ?

In the event of an incident that means your car won’t move, call AXA Assistance (Tel:00352 45 30 55). Available 24/7You will be asked for the vehicle's licence plate number and the location of the accident. AXA Assistance will organise the recovery and repair of your vehicle. In addition, depending on the duration of the repairs it needs, a replacement vehicle may be made available to you for a period of up to 10 days.


If your vehicle can still drive safely, continue your journey and then contact your advisor as soon as possible to organise the repair of the damage by sending in your claim. With the OptiDrive auto insurance (Privilege package), benefit from the Pick-up & Delivery Service from one of our partner garages. We collect your car, provide you with a replacement vehicle for the duration of the repairs, and bring your repaired vehicle back to you, at a location and time of your choice. Save time and avoid going back and forth to the garage - your advisor will take care of everything.

Make a claim

AXA Luxembourg : accident voiture, faire sa déclaration de sinistre

The various stages:

Step 1: Download the claim form on our website, and complete it with all the requested information, specify the circumstances of the incident and the nature of the damage.

Attach photos of the damage to your declaration with at least:1 photo of the damage in enlarged view as well as a photo in close-up view. If necessary, contact your advisor to help you.

If you want to take advantage of the Pick-up & Delivery service, let us know where and when we can pick up your vehicle.

Step 2:Send the document by email to or to your intermediary.

Concerning the expert report for the claim

AXA Luxembourg : l’expertise du sinistre en cas d'accident auto

For damage with a repair estimate of less than €750, compensation will usually be based on the estimate made by the garage, without the intervention of an expert.


For damage greater than €750, an expert report will be necessary and organised by our company with the appointed garage.


If the Pick-up & Delivery Service is used or the repair is done by a garage that is one of our partners, the expert report can be carried out remotely, which reduces repair times.

Did you know?

AXA Luxembourg : pick-up and delivery


If your Auto OptiDrive policy has an excess, this amount of compensation will remain your responsibility.

Example: your insurance policy includes an excess of 200 euros per claim. The cost of repairs to your car is 1000 euros. You will receive 800 euros compensation (1000 - 200 euros).


Replacement vehicle

You have the right to benefit from a replacement vehicle for the duration of the repairs determined by the expert report for a maximum of 10 days. If you have opted for the Pick-up & Delivery Service the replacement vehicle will be made available to you throughout the actual repair period.


This information is made available for informational purposes. Please always refer to the terms of your policy.