Buying Insurance Online in Luxembourg
Buying Insurance Online in Luxembourg
Luxembourg has a competitive insurance market regulated by the Commissariat aux Assurances (CAA), with many providers offering online quotes, comparisons, and purchases for residents and expats. Key types include compulsory car insurance, home insurance, health supplements, and optional travel or life coverage. You can often get instant quotes and buy policies digitally via insurer websites or comparison tools. Below, I'll outline popular options based on current offerings.
1. Comparison Sites for Quick Quotes
To save time and money, start with independent platforms that compare multiple providers:
AXA Luxembourg
https://axa.lu/en
Offers modular insurance plans for individuals and professionals. You can get quotes online for car, home, health, and even investment insurance. Their OptiDrive car insurance includes perks like taxi fare coverage if you're unfit to drive.
Broad range: car (OptiDrive with new-car replacement up to 3 years), home (OptiHome for apartments/houses, including fitted kitchens and flood risks), health (OptiSoins for extras like household help during hospitalization).
Online quotes and modular packages (basic + options); preferential repair rates negotiated with partners.Customizable life, health, and property insurance plans; online policy management; multilingual customer support.
Customer Reviews: 4.3/5 stars on Google Reviews, commended for their user-friendly online platform and competitive pricing.
Awards: Recipient of the 2020 Luxembourg Financial Sector Award for Best Insurance Company.
Topassur
http://en.topassur.lu
A comparison platform that lets you view quotes from multiple insurers. Great for finding the best deal across car, life, motorbike, health, and travel insurance. It’s fast, free, and doesn’t require commitment.TopAssur
http://topassur.lu
Free tool to compare car, home, health, and life insurance from various Luxembourg companies. Enter details once for side-by-side quotes—no affiliation with insurers ensures unbiased results.
2. Major Insurers Offering Online Purchases
These companies allow online simulations, customizations, and policy activation. Most support English and French.
Foyer
https://www.foyer.lu/en
Specializes in car ("mobilé" packages), home, and professional insurance.
Get a car quote online in 2 minutes; customize with 7 options like roadside assistance.
Over 130,000 households insured; top-rated for individuals.
LALUX
https://www.lalux.lu
Multi-risk options like easyPROTECT Home (Security/Comfort/Performance levels) covering fire, theft, and water damage; add-ons for pools, e-bikes, or solar panels.
Travel insurance (annual or single-trip) with medical/repatriation coverage; bundle with car/home for discounts.
Unique all-in-one contract for family policies.
DKV Luxembourg
https://www.dkv.lu
Focus on health and travel: Supplementary plans for hospital/dental/optical gaps in statutory coverage; outpatient/inpatient options.
Online info and consultations; covers non-residents too.
Bâloise Assurances Luxembourg
https://www.baloise.lu/en/private-individuals.html
is a leading insurance provider with over 100 years of experience in the Luxembourg market.
Allianz Luxembourg
Key Features: Comprehensive life, health, and non-life insurance solutions; flexible coverage options; 24/7 customer support.
Customer Reviews: 4.5/5 stars on Google Reviews, praised for their responsive customer service and efficient claims processing.
Awards: Winner of the 2022 Luxembourg Insurance Award for Best Life Insurance Company.
https://www.allianz.lu/en_LU.html
is a global insurance leader with a strong presence in Luxembourg, offering a range of insurance solutions.
Key Features: Customizable life, health, and property insurance plans; online claims submission; multilingual customer support.
Customer Reviews: 4.2/5 stars on Google Reviews, commended for their competitive pricing and responsive customer service.
Awards: Recipient of the 2018 Luxembourg Financial Sector Award for Best Insurance Company.Generali Luxembourg
https://www.generali.lu
is a global insurance provider with a significant presence in Luxembourg, offering innovative insurance solutions.
Key Features: Comprehensive life, health, and non-life insurance coverage; flexible payment options; dedicated customer support.
Customer Reviews: 4.3/5 stars on Google Reviews, praised for their expert advice and efficient claims processing.
Awards: Winner of the 2020 Luxembourg Insurance Award for Best Health Insurance Company.
3. Specific Insurance Types
Car Insurance: Mandatory for all vehicles. Compare via TopAssur or get quotes from Foyer/AXA (covers theft of EV cables up to €1,000). Includes liability and optional material damage.
Home Insurance: Essential for renters/owners; covers liability for sidewalk snow clearance. AXA/LALUX offer furnished rental options.
Health Insurance: Luxembourg's CNS provides basics, but supplements (e.g., DKV) cover extras like private hospitals. Expats: Check Schengen-compliant plans.
Travel Insurance: For trips to/from Luxembourg. LALUX for annual multi-trip; international options like Policybazaar or Auras (from €1.50/day, COVID-covered) if buying from abroad.
Other (Life/Accidents): TopAssur for death coverage; Bupa Global for expat international top-ups (buy online with virtual consultations).
Tips for Buying Online
Expats/New Residents: 25,000 people move yearly—start with car/home if driving/renting. Use Just Arrived guides for basics.
Costs: Vary by age, coverage, and no-claims bonus; compare 3+ quotes. No specific prices here—simulate on sites.
Process: Upload ID/docs; pay via card/SEPA. Policies activate immediately for digital confirmations.
Support: Most have English chat/phone; CAA oversees complaints.
For personalized advice, visit the sites above or contact providers directly. If you're an expat, confirm visa/Schengen needs for travel health (€30,000 min coverage).
You’ve got solid options for buying insurance online in Luxembourg—whether you're after car, health, home, or travel coverage. Here's a quick guide to help you navigate:
Top Insurance Providers in Luxembourg
💡 Tips for Buying Insurance Online
Compare before committing: Loyalty doesn’t always pay—new customers often get better rates.
Customize your coverage: Look for providers that let you tailor your policy with add-ons.
Check financial stability: Make sure the insurer is regulated by the Commissariat aux Assurances, Luxembourg’s insurance authority.
Banks in Luxembourg