Auto Insurance
Mandatory RC, partial CASCO and full CASCO (omnium). Best rates across all bonus-malus classes. Coverage for glass breakage, theft, natural events. Special rates for electric vehicles and young drivers.
Get auto quoteThe best rates for your insurance in the Grand Duchy
Benefit from the best rates with Luxembourg insurers. Resident, expat, or cross-border worker — we find the ideal coverage for you.
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Insurance solutions for every aspect of your life in Luxembourg
From your personal insurance (auto, home) to comprehensive business protection, our advisors find you the best rate from our network of trusted Luxembourg insurers.
Health Insurance
Supplement your CNS coverage with a complementary health plan. Hospitalization in private room, dental and optical care, alternative medicine. Reduced co-payments and shorter waiting times for specialists.
Get health quoteHome Insurance
Multirisque home insurance for owners and tenants. Fire, water damage, theft, storm, glass breakage and private liability (RC vie privée). New replacement value for your contents and building.
Get home quoteLife Insurance
Life insurance and supplementary pension (3rd pillar). Tax-deductible savings under Article 111bis L.I.R. Death capital, disability cover and retirement provision with guaranteed capital or unit-linked funds.
Get life quoteProfessional Liability
RC Professionnelle and RC exploitation for freelancers, SMEs and liberal professions. Cover for professional errors, business interruption, cyber risk and product liability.
Get business quoteCross-Border & Expat
Insurance for cross-border workers and expats between Luxembourg, France, Belgium and Germany. CNS affiliation, social security coordination and multi-country health and auto coverage.
Get expat quote Insurance in Luxembourg
How insurance works in the Grand Duchy
A unique insurance market at the heart of Europe
Luxembourg's insurance market is shaped by the country's international character. With over 47% of the population being foreign nationals and more than 200,000 cross-border workers commuting daily from France, Belgium and Germany, the insurance needs here are uniquely diverse.
The Grand Duchy requires mandatory auto liability insurance (RC) for all registered vehicles. Health coverage is provided through the CNS social security system, supplemented by private complementary plans. Home insurance is not legally mandatory but is effectively required by banks and landlords. Life insurance plays a dual role - both as family protection and as a tax-efficient savings vehicle under Article 111bis.
Who needs what: residents, expats and cross-border workers
Your insurance needs depend largely on your status:
- Luxembourg residents - Need auto insurance (if you own a vehicle), home insurance, and benefit greatly from complementary health insurance and tax-advantaged life insurance.
- Expats and new arrivals - Face additional challenges around transferring coverage, understanding the CNS system and recognising foreign driving history. Our expat insurance solutions address these complexities.
- Cross-border workers (frontaliers) - Must coordinate insurance across two countries. Car and home insurance follow your country of residence, but health coverage involves the CNS. Expert guidance prevents gaps and avoids paying for overlapping policies.
- Self-employed and business owners - Need professional liability (RC Pro) to protect against client claims, plus personal insurance adapted to independent status.
What influences your insurance costs in Luxembourg
Insurance premiums in Luxembourg are influenced by factors specific to each type of coverage, but several themes recur:
- Your personal profile - Age, health status, driving history and family composition all play a role. A clean track record consistently earns better rates.
- Coverage level - Choosing higher coverage limits or lower deductibles increases your premium but provides greater protection. The right balance depends on your financial situation and risk tolerance.
- Property characteristics - For home insurance, the size, location, construction type and security features of your property matter. For auto, the vehicle's age, value and engine power are key factors.
- Market competition - Luxembourg has a competitive insurance market with both local and international players. Rates for the same coverage can vary significantly between insurers - which is why comparing offers is essential.
We negotiate with multiple insurers on your behalf, leveraging our market knowledge to secure the best rates available for your specific profile. Compare insurance providers across all categories.
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Review our personalized recommendation, pick the plan that fits, and we handle the paperwork — including switching from your old provider.
Common Questions
Frequently asked questions about insurance in Luxembourg
Is insurance mandatory in Luxembourg?
Yes. Luxembourg law requires several types of insurance. Auto liability insurance (responsabilité civile) is mandatory for all vehicle owners. If you have a mortgage, your lender will require home insurance. Health insurance is covered through the CNS (Caisse Nationale de Santé) social security system, but many residents and expats supplement this with private health insurance for broader coverage.
How much does auto insurance cost in Luxembourg?
Auto insurance premiums in Luxembourg typically range from €400 to €2,500 per year depending on coverage level (third-party, partial or comprehensive), your vehicle type, driving history, and bonus-malus class. New drivers and young drivers under 25 generally pay higher premiums. We help you find the best rate by negotiating with multiple insurers on your behalf.
What does home insurance cover in Luxembourg?
Home insurance (assurance habitation) in Luxembourg typically covers fire, water damage, storms, theft, and civil liability. Most policies can be extended to cover natural disasters, glass breakage, and electronics. If you rent, tenant's insurance (assurance locataire) covers your personal belongings and liability. Premiums depend on property size, location, construction type, and chosen coverage level.
How do I switch insurance providers in Luxembourg?
In Luxembourg, most insurance contracts renew annually. You can cancel by sending a registered letter (lettre recommandée) to your current insurer at least 1 month before the renewal date. Our advisors handle the entire switching process for you, ensuring there is no gap in coverage.
Can I get insurance if I'm a cross-border worker (frontalier)?
Absolutely. Cross-border workers (frontaliers) make up a significant portion of Luxembourg's workforce. Your social security contributions in Luxembourg provide basic coverage, but your residency country may also play a role. We specialize in helping frontaliers from France, Belgium, and Germany navigate these complexities to ensure complete coverage without overlaps or gaps.
What is the third pillar (Article 111bis) in Luxembourg?
Article 111bis allows Luxembourg taxpayers to deduct life insurance premiums from their taxable income, up to age-dependent annual limits. This makes life insurance one of the most tax-efficient savings tools available in the Grand Duchy. Both residents and cross-border workers subject to Luxembourg taxation can benefit from this deduction.
Do I need professional liability insurance (RC Pro) in Luxembourg?
For many regulated professions - architects, lawyers, accountants, healthcare providers - RC Pro is legally required. For other professionals and freelancers, it is not mandatory but strongly recommended. A single client claim can far exceed the cost of years of premiums, making RC Pro a prudent investment for any business or independent professional.
How long does it take to get an insurance quote?
After you submit your request through our form, our advisors typically send you a personalized recommendation within 24 hours. For straightforward cases, coverage can begin as soon as 24–48 hours after you accept the quote. We handle all paperwork, including cancellation of your previous policy if applicable.
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