Starting a new chapter in a new country is both exciting and full of questions. Luxembourg, with its rich culture, welcoming communities, and high quality of life, is a place where people from all over the world come to build their futures. Whether you're arriving alone, with a partner, or with your whole family, settling in takes time — and support.
We’re here to walk alongside you, helping you feel at home from day one. Explore our guides to life in Luxembourg — and let us help you make this transition a little easier, a little smoother, and a lot more reassuring.
Get your free moving kit for a smooth start! 🎁
To make this important step in your life easier, we’ve launched a special offer: a free moving kit, with no cost and no commitment.
📦 How does it work?
Simply fill out our online form – it only takes a few minutes – then pick up your kit at one of our collection points closest to you.
The kit includes everything you need for a successful move: boxes, a practical guide, and useful information.
🎯 It’s 100% free, but quantities are limited.
You already had an AXA insurance abroad?
➡️ Discover your advantages!
To thank you for your loyalty, we offer you a 10% discount on your car and your home insurance in Luxembourg.
Finding a place to live is about more than signing a lease — it’s about creating a space where you feel secure, settled, and truly at home. Luxembourg offers many options, but the process can feel unfamiliar at first.
Whether you're searching for a city-center apartment or a family home in the countryside, we’re here to help you navigate the journey with clarity — and to protect what matters most along the way :
It's decided, are you moving to the Grand Duchy? Before you settle down, it is better to know some specificities of the country. Real estate market, lease agreement, notice period, etc. Look around to make sure you haven’t forgotten anything before putting your boxes down.
Fitted kitchen, risk of flooding... When it comes to home insurance, each country has its own specificities. For anyone insuring a home in Luxembourg for the first time, here are 5 factors to watch out for.
With soaring rental prices, the young trainees or working professionals in the Grand Duchy are more likely to choose to live under a shared roof. It is a friendlier and more economical lifestyle choice, especially for new residents.
Buying a home in Luxembourg entails high prices, but the real estate pressure is offset by multiple tax incentives that help to get started.
Your home is your Cocoon! That’s where you receive your (new) friends, hold events, keep your belongings and live your passion.
Whether single or as a couple, student or active youngster, insure your home and all those precious objects by choosing a good home insurance.
A new life means new routines — and getting around is a big part of that. Thankfully, in Luxembourg, mobility is made simple. With well-connected public transport and beautiful roads to explore, it’s easy to feel free and flexible in your everyday life.
Whether you’re commuting to work, dropping the kids off at school, or discovering new corners of the country, we’re by your side to keep every journey safe and smooth. Here are some advice:
Deductible, fully-comprehensive cover, breakdown assistance... When it comes to car insurance, each country tends to do things its own way. The ins and outs of insuring your car for the first time in Luxembourg.
You have just settled in Luxembourg and you need to register your car in your new country of residence? Follow the guide to find out everything you need to do.
Have you recently moved to Luxembourg, but not yet ticked the "insure the car" box on your to-do list? One question may be of concern to you: can you insure your vehicle if your licence was issued abroad? The answer is yes if your licence was issued by a country in the European Union. If you obtained your licence outside the EU, the answer is also 'yes', but only for a period of one year.
As you know, when it comes to car insurance, part of your premium is variable. This bonus-malus system is designed to reward good driving behavior and penalize risk-taking. But what happens when you move house? Is it possible to keep the bonus acquired abroad by insuring in Luxembourg?
Do you live in Luxembourg and own a car that is already a few years old? Do you have plans to buy a second-hand car? Then don’t forget that it must have a valid technical inspection certificate. What does this inspection entail? How often must it be renewed? Let us take you through the legal aspects of a vehicle technical inspection.
Since March 2020, Luxembourg has become quite a laboratory for new forms of mobility. Trains, buses, trams... everything has been rolled out to encourage these new habits, to the satisfaction of users.
🚗 Essential cover for your car in Luxembourg
License plate, vehicle maintenance: AXA takes care of everything!
- Adapted offers to my driving
- Assistance 24/24
- Insurance cover without deductible
- Replacement vehicle if vehicle is immobilized
When your family feels safe, supported, and well cared for, settling into a new home becomes so much easier. From school choices to healthcare, and even finding the right vet for your pet, Luxembourg offers a family-friendly environment with high standards of care.
We’re here to help protect your family’s well-being at every step — so you can focus on creating memories, not managing worries. Here is everything you need to know:
With 50% of Luxembourg’s population coming from other horizons, the education provision in the Grand Duchy has adapted and offers a host of possibilities. It means that you can choose between the Luxembourg, British, European or international education system... Let us take you through the criteria to consider before deciding.
Are you moving to Luxembourg or becoming a parent for the first time? There’s a lot to think about when raising a child, insurance being one of them. We help you size up what is essential and what is recommended to ensure your child is fully protected.
With 20 weeks of maternity leave and 6 additional months for parental leave, Luxembourg is among the countries which offer the best conditions for welcoming a child. Explanations.
The Grand Duchy offers good health coverage. However, to be better reimbursed for the costs that remain your responsibility, you can take out a supplementary health insurance, and gain peace of mind.
Many residents or cross-border commuters have already asked themselves whether they are best off seeking medical care in Luxembourg or abroad. While the National Health Fund, the Caisse Nationale de Santé or CNS, plays a central role in reimbursing healthcare costs, it is worth remembering that supplementary health insurance can offer additional cover and benefits. As well as covering expenses not reimbursed by the CNS, you can also, subject to prior agreement, pick the hospital or clinic in Europe where you wish to be treated. This article explores the options available and the formalities surrounding medical care in Luxembourg or abroad.
Vaccinations, municipal taxes, electronic chip, insurance, dog boarding... Adopting a dog in Luxembourg comes with a number of obligations but also expenses, most of which involve your dog’s health. Fortunately, dog health insurance can help you cope when the unexpected strikes.
Even if you don't fall for the charm of a pedigree cat, adopting a pet comes at a cost: vaccinations, sterilisation, flea treatment... Health insurance allows you to cope when the unexpected strikes. Explanations.
👩⚕️ Health insurance in Luxembourg
Whether you are single, with a spouse or a family, we offer you refunds to complement your national health insurance (CNS).
- Refunds are based on your actual costs
- Repatriation and assistance abroad are included
- Help at home during and after hospitalization
🐶🐱 Pet insurance in Luxembourg
Your pet's health is priceless, but when an accident or an illness strikes, veterinary costs can quickly add up.
That's why AXA Luxembourg has set up Pet Insurance health insurance to provide your dog or cat with the best care every day, without the unexpected weighing on your budget!
Starting a new job or continuing your career in Luxembourg opens doors to opportunity — but also to a new legal, fiscal, and administrative environment. Understanding employment rights, tax obligations, and social security is essential to setting yourself up for success.
We help you secure your professional path with insurance and protection designed for every stage of your career. Discover our insights into the local job market and tax system to stay informed and empowered.
The tax return period in Luxembourg is open until 31 December of the year following that during which your taxable income falls. Whether you are resident or non-resident, employed or retired, you may need to file a tax return depending on your personal and financial situation. How do I go about it? What are the formalities and deadlines? What are the advantages and disadvantages? Here are some useful tips on how to file your tax return.
Your short-, middle- and long-term projects may include buying real estate, financing your children's education, preparing for retirement or passing on your estate in the event of your death... Given the challenges of modern asset management, life insurance is the smart savings solution for today's sophisticated investors, but not only, as there are still many misconceptions surrounding this investment that need to be debunked.
Let's take a look at the myths and facts surrounding this investment product, which is winning over more and more savers. Whether you're a seasoned investor or just starting out, you can choose a life insurance policy to suit your objectives and savings capacity.
In this article, we'll focus more on life insurance for investment and saving purposes than on life insurance for provident purposes.
Since 2018, married couples residing in or working as cross-border commuters in Luxembourg can choose to be taxed jointly or individually. What are the advantages of either option? Does it affect the amount of tax paid? What are the implications of this choice? Our answers to help you see things more clearly.
Completing your tax return is not always mandatory when you reside in Luxembourg. However, even when it is optional, completing it may well save you money.
As you know, with an ageing population, the pension system in Luxembourg is likely to become less generous in the coming years. Even more reason to prepare yourself as soon as possible for the challenge of declining resources. The Luxembourg government actually encourages you to do so through tax benefits.
Financing a project, protecting your loved ones, preparing for retirement or passing on your assets are all good reasons to take out a life insurance policy. Because in addition to dealing with the challenges life throws at us, you also benefit from tax advantages. Here is an overview.
Your business is your life. Given all the time and energy you inject into it, protecting it is essential. The right business multi-risk insurance is essential if you want to be on the safe side and secure your company's survival in the event of a problem. Today, we're here to give you a clearer picture and help you make the right choices to protect the “dream of a lifetime”.
The Grand Duchy: the ideal place to do business?
With one of the lowest social security contribution rates in the European Union, an attractive tax policy and a central geographical location, Luxembourg has many a trump card when it comes to luring entrepreneurs.
