Protect your family against unforeseen events

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You, your family and your pets are covered worldwide
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Protect your family in all circumstances

Your child breaks the neighbor’s window while playing? You accidentally spill a glass on a friend’s computer? Small everyday accidents can quickly become expensive when you are responsible for them. Fortunately, Private Civil Liability insurance (or Family Liability Insurance) is there to support you, cover the damage caused to third parties, and provide you with complete peace of mind.

3 good reasons to choose Private Civil Liability by AXA

Comprehensive worldwide coverage
Whether you are at home in Luxembourg or on vacation on the other side of the world, you are covered against the financial consequences of everyday mishaps.
Your whole family is protected
The contract covers not only yourself, but also your spouse, your children, your pets and even people who look after your children free of charge (baby-sitters).
Full coverage
AXA covers bodily injuries, property damage (destruction of an object) and consequential non-material loss involuntarily caused to a third party.

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You wish to insure a house?

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Focus on your essential coverages

Private Civil Liability insurance is an option available with all our OptiHome insurance plans. It particularly covers:

enfants et parents dans une voiture qui lèvent les bras

Coverage of medical expenses and damages if you or a member of your family unintentionally injures a third party.
Reimbursement of repair or replacement costs if you destroy or damage a third party’s property (e.g. breakage of a neighbor’s window).
Your dog runs away and causes an accident or damages a friend’s furniture? Your pets are automatically covered[C.
Babysitters or grandparents who look after your children free of charge at your home are also protected during the period of childcare.

Everyone has their own need for Private Liability Insurance

What’s yours?

Learn more about the OptiHome insurance

Family with children
Children’s play sometimes gets out of hand (a ball through a window, a scuffle at school). Our liability insurance protects your budget against their mishaps.
Pet Owners
Because we cannot always anticipate the reactions of our loyal companions, AXA includes their coverage in your civil liability insurance.
Young professionals and tenants
Do you often invite friends or practice your hobbies? Protect yourself against private accidents that could occur during your daily activities.