Your car is like your second home. It is there for you on all your daily trips: to do the school run, to get to work and to get away for the weekend... Make sure you protect it and its occupants with high-performance car insurance.
Car stolen or destroyed as a result of a covered accident? With replacement value compensation, you'll be reimbursed for the true purchase value of your car (if it was first put on the road no more than 1 year ago) for up to 3 years! This means that you'll be able to buy a new vehicle with identical specifications.
➜Our perk? Beyond 3 years, you are still better off: you can consult the amount of compensation in advance (which is higher than the value assessed by the expert).
We cover all accidental damage to your vehicle, whether or not you are at fault. It applies, for example, in the event of collision with an obstacle (tree, wall, etc.), or in the event of an accident with another vehicle (fender bender, pile-up, etc.).
➜Our perk? We also protect your car against tyre vandalism, towing in the event of misfuelling, and damage caused by rodents.
When you’re behind the wheel, protection is essential! In the event of serious injury or disability, this guarantee covers all drivers in the event of an accident, whether at fault or not, and compensates you for any bodily injury suffered.
➜ Our perk? If you allow someone else to drive your insured vehicle, they are also covered.
Your vehicle is refusing to start? We will come to your rescue! Take advantage of the breakdown assistance in the event of misfuelling/fuel shortage or puncture, an oil change following a fuel error and the opening and repatriation of the vehicle if you lose your keys.
➜ Our perk? For even more peace of mind, you have access to the “connected breakdown” service, which allows you to track the whereabouts of your tow truck in real time as well as the estimated waiting time.
In addition to the loan vehicle, in the event of an accident or a theft, we will pay you a daily allowance if you do not want a replacement vehicle (use of another vehicle, public transport, etc.).
In addition to the usual cover, you are entitled to unique car-related services
🚕 Taxi Wildcard
You came by car but you're in no fit state to drive any more? For example, you’re leaving a party, you’ve just injured yourself or can’t find your glasses. Ask for a Taxi Wildcard to take you back home. This service also extends to all passengers in the car, so that everyone can get home safely.
🚗 Pick-Up & Delivery service
In the event of an accident covered by your policy and if your vehicle is still running, avoid back and forth trips to the garage, AXA provides a replacement vehicle, picks up your car and delivers it back to you repaired, wherever and whenever you want.
Is there a scratch, dent or trace of wear and tear that needs to be repaired on your vehicle? For minor damage to your vehicle, go through an authorised AXA partner. You are eligible for preferential rates to repair minor damage to your vehicle, without having to resort to your Material Damage insurance. A repair that does not affect your No Claims Bonus and leaves your premium intact.
How do I use my car service ?
With AXA Luxembourg you benefit of preferential tariffs that we have negotiated with approved partners and you pay the amount due directly to the service provider.
To benefit of this service, simply contact your AXA advisor.
Maintaining your vehicle, like the roadworthiness test, servicing or even fitting summer or winter tyres, can sometimes take a long time. Take advantage of our network of partners at preferential rates to monitor and manage your vehicle for you: roadworthiness tests, servicing, or even for the fitting of your summer/winter tyres.
How do I use my car service ?
Tyre change, maintenance, testing, etc … Premium: €329/ insurance year
- Contact your garage or tyre centre for an appointment by D+5 at the latest,
- Call your Lux Immatriculation service provider on +352 26 10 86 06 or send an E-mail to fmimport@pt.lu and they will take care of the organisation for you,
- Picking up your car with a report at the agreed location. You fill in the repair form and sign the paperwork,
- Expenses incurred to be reimbursed directly to the service provider when the vehicle is returned. Taking over the car does not include the price of tyres, fitting, inspection, or testing.
Need a Luxembourg licence plate for your vehicle? Save yourself the paperwork and take advantage of a preferential rate. Entrust your vehicle directly to an AXA Luxembourg partner, who will come and pick up your vehicle from within the Grand Duchy of Luxembourg or within 30 km outside it borders, then take it to the service provider's garage before returning it to you at the place and on the date of your choice.
How do I use my car service ?
Picking up of your vehicle and fitting new number plates.
Call your Lux Immatriculation service provider on +352 26 10 86 06 or send an E-mail to fmimport@pt.lu, which will deal with all the administrative procedures and testing,
You pay the relevant fixed charge when you get your vehicle back - it’s all straightforward with no surprises.
Negotiated price / Véhicules :
- New: 265 €
Used car EEC: 319 €
New or used out of EEC: 835 €
Change of ownership: 225 €
For repairs and/or replacement, make an appointment:
Autoglas www.autoglas.lu Tél. : 80 02 97 97
Carglass www.carglass.lu Tél. : 80 02 16 16
Formula Active
Take out vital cover for your car and protect yourself at the wheel.
Formula Active + Mini Casco
Find all the essential extras to boost your cover in the event of damage.
Formula Privilège
Drive with peace of mind by opting for the best possible cover against the dangers of the road.
| GARANTEES | FORMULA ACTIVE | FORMULA ACTIVE + Mini Casco | FORMULA PRIVILÈGE |
| Civil liability¹ | ✔ | ✔ | ✔ |
| Multi-driver² | ✔ | ✔ | ✔ |
| Legal Protection | ✔ | ✔ | ✔ |
| Accident Assistance | ✔ | ✔ | ✔ |
| Taxi Wildcard | ✔ | ✔ | ✔ |
| Replacement cost (Vehicle < 12 mois)³ | No | 12 months | 36 months |
| Used Value (Vehicle > 12 mois) | No | Value before loss | Value before loss + 10% à 20% |
| Remplacement vehicle | ✔ | ✔ | ✔ |
| Assistance abroad | ✔ | ✔ | ✔ |
| Theft, fire, glass brekage, animal strikes/force of nature | No | ✔ | ✔ |
| Personal effects | No | € 1000 | € 3500 |
| Total loss | No | Options | ✔ |
| Material damage | No | No | ✔ |
In the event of an accident, your passengers, whether family or not, are covered by your Civil Liability, the compulsory Motor insurance. This concerns your passengers’ assistance or hospitalization costs, etc.
Is your child going to be driving your car? Does a friend need it to move house? No problem, your car is insured even if someone else drives it. What’s more, that person doesn’t need to be named in your policy. It gets even better!
Have you just bought a new car? If your new car cannot be repaired following an accident or has been stolen, for three years, AXA Luxembourg allows you to buy exactly the same car again, even if you got a good deal on it. After these 3 years, you are still entitled to enhanced compensation and can even consult the table in your policy to find out the amount of your cover in advance.
Concrete example of compensation with "replacement cost"
You own a new car, less than one year old, purchased for €43,999* (not including trade discounts). Following an accident, your car is destroyed beyond repair. How will you be compensated?
*Examples for illustration purposes
This guarantee means you get the best possible level of compensation, a solution that is unique in Luxembourg.
Complete coverage for your Hybrid or Electric vehicle, including all specific accessories.
- In case of theft of your charging cable you will be reimbursed up to €500 € with the “Active mini-casco” option and up to €1.000 with the “Privilège” coverage.
- In case of a covered theft or damage, the battery is included in the material damage coverage of your OptiDrive car insurance. It is an integral part of the vehicle and its costs are included in your vehicle’s insurance.
- The optional Breakdown Assistance coverage includes assistance in the event of an electrical as well as fuel breakdown.
And if you have a charging station at home, it is covered by your OptiHome home insurance.
Comprehensive car insurance in Luxembourg
When choosing an AXA car insurance for hybrid or electric vehicles, you automatically benefit of a reduced insurance premium.
No matter which formula you chose.
Are you driving “green”? Good news - AXA backs its customers who care about preserving the environment and offers you discounts on your premium.
Contact an AXA Luxembourg agent near you.
Why opt for our pay-per-km insurance?
Cycling, car-pooling, public transport... new ways of travelling are increasingly drawing us away from our cars. If you don't drive much and use your car for short journeys, with our pay-per-km car insurance, get the same protection for a lower price! You'll benefit from a rate that's tailored to your driving habits.
This insurance is for you if you're a so-called "infrequent driver".
For example:
- 🚗you usually make short journeys,
- 🚲 you live in the city and often use public transport, by bike or scooter,
- 🚘🚘you have a second car that you only drive from time to time,
- 🧓you are retired and only use your vehicle occasionally.
If any of these cases apply to you, you may want to consider declaring a mileage band that reflects your driving habits. In return, you simply have to make sure you don't exceed the limit you’ve set yourself.
➜ Good to know: you can, of course, change to a higher mileage band at a later date if you need to.
What are the advantages of pay-per-kilometre insurance?
1️⃣ You are entitled to identical cover
Just because you don't drive much doesn't mean you don’t expect much from your insurance. By opting for pay-per-km insurance, you are entitled to all the advantages of your AXA OptiDrive car insurance policy (package and options according to your choice).
2️⃣ Save money
If you don't drive much, why pay full price for your car insurance? With limited mileage car insurance, you get a discount on your insurance that rewards infrequent drivers.
3️⃣ You're helping to protect the environment
You are adopting eco-responsible behaviour to reduce fuel consumption and limit greenhouse gas emissions.
Your Motor insurance is valid in all the countries listed on your insurance certificate. Your "Civil Liability" cover therefore insures against all property damage and personal injury caused to third parties in these countries. Note that local legislation will apply to determine liability and compensation. In addition, if you have taken out the 'Family & Travel Assistance' option via our OptiDrive car insurance, we will cover you when you travel anywhere in the world: medical assistance, search and rescue, medical expenses up to €150,000, repatriation, assistance in the event of theft or loss of luggage, etc.
In certain circumstances, your motor insurance and cover are no longer valid. For example, you are not covered for damage or accidents caused by you:
· while intoxicated (blood alcohol level above the legal limit),
· if you are unfit to drive
· in the event of serious speeding,
· in the absence of a driving licence required by law or during races not authorised by the authorities,
· as well as non-accidental damage such as wear and tear.
Comprehensive insurance is best suited to new vehicles.
Opting for comprehensive insurance (the Privilège option of AXA OptiDrive car insurance) means you maximise your chances of driving with peace of mind. It is best suited to new vehicles, as, when you drive a new vehicle, it makes more economic sense to be compensated in the event of an accident than if you drive an older car. The other criterion for choosing the right cover for your vehicle is obviously the cost of your car. Comprehensive cover is a must for collector cars, which have a high market value and are therefore expensive.
No, not at all. When you take out your car insurance, all you need to do is declare the number of kilometres on your car's odometer.
The mileage is set at the time you take out your policy and must not be exceeded. If you realise that you have driven more than 7,000 km, for example, during your annual statement, your AXA adviser will steer you towards the appropriate cover and update your policy. In fact, mileage allowances can be adjusted each year. You can also inform your AXA adviser before the annual update of your policy.
Pay-per-kilometre car insurance is ideal for people who own one or more cars but do not drive them regularly. This is the case, for example, for people who have two cars but only use one on a daily basis. If you live in a city and mainly use your car at weekends because you make do with public transport during the week, kilometre-based insurance is also a good option for you.
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Motorcycle insurance
Do you want to ride your motorcycle at any time of the year, weather permitting, safe in the knowledge that you have the best insurance cover?
Van & Truck insurance
Do you have a van and need to manage large volumes on a daily basis? Take advantage of special insurance conditions for vans. Find your package and the ideal options in line with your concerns:
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Hit the road with peace of mind, in Luxembourg and abroad, thanks to AXA motorhome insurance.
Classic and collector car insurance
In your spare time, you like to polish your beautiful classic car, and use it for drives or rallies.... Because your classic car isn't used like a conventional car, it deserves the utmost care and needs tailor-made cover.
An advisor for health insurance is at your service in every region of the Grand Duchy of Luxembourg, whether you are a resident or a foreign worker for a Luxemburgish company.
