Car insurance for new and used vehicles in Luxembourg | AXA guarantees (2023)

Car insurance for new and used vehicles in Luxembourg

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With AXA car insurance you protect yourself, your vehicle and your passengers on all your trips

Do you want to insure your car in Luxembourg? Whether it is a new or used vehicle, we have the best solution for you.

You don't drive much, are you a car lover or environmentally conscious? As each driver is unique, AXA has developedoffers tailored to everyone: low mileage, Youngtimer and collector car, hybrid and electric.

takebenefit of compensating for "conventional degression" values.with the Privilege package. You are guaranteed to be able to replace your vehicle in the event of a total loss during the first 3 years and enjoy extended coverage for up to 7 years.

And to protect your family, discover our assistance and protection formulas: Driver protection / driver safety, emergency assistance, travel and family assistance and comprehensive legal protection.

3 Formula: Active, Active + Mini Casco, Privilege:

Choose the best car insurance package according to your needs:

Car insurance for new and used vehicles in Luxembourg | AXA guarantees (1)

Which car insurance product should you choose?

If you are looking foreffective minimum coverage, ChooseActive package.

In the event of an accident, we cover the costs associated with your civil liability, driver and passenger insurance and defend your interests before the law.

If you want, you can add options based on your needs, such as theft and total loss coverage.

TheThe Privilège package provides full coveragein the event of an accident: civil liability, legal protection, emergency assistance, theft, fire, broken glass, collisions with animals, etc.

You can addadditional optionssuch as emergency assistance, driver protection and safety insurance, family and travel assistance and comprehensive legal protection.

Comprehensive insurance for completely worry-free driving pleasure.

Do you drive onehybrid or electric car?

Are you looking for insurance acollection truck? do youyou rarely drive your car?

Our offer is tailored to your situation.

Car insurance for new and used vehicles in Luxembourg | AXA guarantees (2)

5 options to choose from to complete your car insurance package:

For each package, you can add up to 5 options for optimal coverage:

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The Driver Safety option protects all drivers authorized to drive the insured vehicle when driving the insured vehicle in the event of an accident, whether or not they are at fault, in the event of theft, and in the event of unloading or loading a vehicle.

As a nominated driver, you are covered even as a pedestrian.

And in case of injury or permanent disability, you will receive a lump sum of up to €315,000, depending on the injury suffered.

With the "Driver Safety" option, all nominated drivers are protected in the event of an accident (whether they are at fault or not), regardless of the vehicle.

And in the event of injury or permanent disability, you will receive compensation, which will be determined in accordance with the compensation system established by Luxembourg law, depending on your specific situation and the damage suffered. The sums insured can be up to a maximum of €750,000 or €1,250,000.

Additionally, if you allow someone to drive your insured vehicle, they will also be covered up to half of the sum insured.

Your vehicle won't start? Take advantage of breakdown assistance in case of fuel shortage or breakdown, oil change after fuel failure and vehicle opening and transport home if you lose your keys.

It covers you and your family while traveling around the world: medical care, search and rescue, medical reimbursement, repatriation, assistance in case of theft or loss of luggage and legal assistance.

Legal assistance in all disputes arising from the use, purchase or sale of your vehicle, insolvency of the responsible third party and assistance in attending a driving course to restore points on your driving licence.

Insurance for hybrid and electric cars

If you drive a hybrid or electric car, AXA offers a discount on your car insurance premium.

Discover discounts on hybrid and electric cars

Car insurance for new and used vehicles in Luxembourg | AXA guarantees (3)

Advantages of AXA car insurance

New car upholstery, protecting your passengers, loaning your car, replacement vehicle, travel, personal belongings. Rest assured that AXA Luxembourg has thought of everything.

Advantages of AXA car insurance

AXA Assistance services for drivers

As part of OptiDrive car insurance (Active, Active + Mini casco and Privilege packages) you have accessAXA assistanceydelser:

Available 24/7 The service is available 24 hours a day, 7 days a week worldwide on +352 45 30 55

Visit the help page

  • Depending on your insurance and subscription options, help can be provided in these cases.
AXA help page

Free AXA services with your car insurance:

Take advantage of free AXA services according to the selected formula

Joker taxa service

When you can no longer drive, AXA pays the taxi, 3 times a year, so you can get home safely.

Joker Taxa

Collection and delivery service

Formula for benefits and mini-casco: In the event of an accident covered by your policy and your vehicle is still running, avoid trips back to the garage. AXA insures a replacement vehicle, collects your car and returns it repaired to you where and when you want.

Related breakdown service

When you request a breakdown service covered by AXA Assistance, you must track the location of your towing vehicle and the estimated waiting time at all times.

Associated error

Services at favorable prices:

Use all AXA services at reduced prices to make your life easier:

Cosmetic damage service

Do you want to repair minor damage to your car? Use an AXA authorized partner. You are entitled to favorable rates to repair minor damage to your vehicle without the need to use property damage insurance, which affects your no damage bonus and therefore your premium.

Cosmetic damage

Convenient service

Do you find it a little difficult to maintain your vehicle?
Take advantage of our network of partners at advantageous prices to monitor and manage your vehicle for you: technical inspections, servicing or even fitting your summer/winter tyres.

Convenient service

Registration Service

Do you need a Luxembourg number plate? Save yourself the administrative work. Take advantage of our special price and partner AXA Luxembourg will come to your home to collect your vehicle and return it with new number plates.

Registration Service
  • How to use AXA car insurance services with your OptiDrive car insurance

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Other types of vehicles:

Motorcycle insurance

Do you want to ride your motorcycle any time of the year, weather permitting, safe in the knowledge that you have the best insurance?


Van and truck insurance

Do you have a van and have to handle large quantities every day? Take advantage of special insurance conditions for vans.
Find your package and ideal options according to your interests:

Inlectionary car insurance

Are you passionate about vintage cars and collector cars? Take advantage of our special packages and get a special price on your car insurance.

Classic car

Car dealer insurance

Go on a journey with peace of mind, in Luxembourg and abroad, thanks to AXA motorhome insurance.


Find an insurance advisor

A consultant is available in all regions of the Grand Duchy to offer you his services and his well-informed advice on insurance solutions.

Find and desktop

Find your package and ideal options according to your interests:

Decide forActive formula

Mini helmet: protection against theft (including personal belongings INSIDE the car), fire, broken glass and collisions with animals.

Write off: if your vehicle is written off in an accident, if it is declassified, AXA will keep you mobile by giving you the opportunity to buy a vehicle of the same value.

Advantages of AXA regardless of the chosen car formula:

Pleasant service
Remove signs of wear without affecting your premium. How does it work?
AXA has arranged special prices for you. This means that minor damage can be repaired without you needing to include your property damage insurance and without it affecting your damage and thus your premium.

Pay at your own pace

Pay at your own pace.

Also enjoy impeccable conditions for used vehicles: take advantage of the sliding rate to cover material damage based on the age of the vehicle and declassification compensation up to 20% above the market value.

Choose Active Formula + Mini-Casco OR Privilège Formula.

Regardless of the formula, there are several options to keep each member of your family protected:

Full legal protection: improving basic legal protection:
- Tall capital letters and more extensive covers
- AXA participation in point recovery phases
- Intervention in an accident involving an uninsured and insolvent third party

Driver safety: this cover protects you as a driver, regardless of the vehicle you drive. Very useful if you have multiple cars!

Emergency assistance: intervention in case of breakdown, puncture or loss of car keys! If necessary, AXA will provide a replacement vehicle.

Family and travel assistance: use medical assistance and transport home during the journey. Care expenses abroad are covered up to €150,000!

In addition, AXA gives you peace of mind when your children travel alone, so you can stay with them in the event of a long-term hospitalization.

Just arrived in Luxembourg? All our tips for correctly insuring your car

The first thing you need to do is take out car insurance.

Excess, full cover, used car, no damage bonus...

To learn all about these topics and more, and to choose the right car insurance in Luxembourg, read our various explanatory articles:

Car insurance for newcomers

Don't think it's fair as a rare driver covers upless than 7000 km/year, to pay as much as everyone else?

AXA has a solution for you!

Decide forformula of your choiceand enjoy a favorable price that takes into account your mileage!

Discover AXA Luxembourg Pay-as-you-go car insurance

Take advantage of a discount on car insurance for a hybrid or electric car:

Choose the best package according to your needs and take advantage of the discount on the OptiDrive car insurance premium

Experience the benefits of a hybrid or electric car

Benefit fromCosmetic service

Remove signs of wear without affecting your premium. How does it work?

AXA has arranged preferential prices for you, regardless of the chosen formula.

This means that minor damage can be repaired without you needing to include your property damage insurance and without it affecting your damages and thus your premium

Contact this AXA Luxembourg agencybenefit from the service.

In this case, your simplest option isformula for privileges. That way, you get peace of mind in the event of damage caused to third parties and material damage to your vehicle.
Save time and administrative steps with the following options and services:

Practical service
Do you think servicing your vehicle is a waste of time?
AXA guides you and drives your car:

  • to the technical supervision center,
  • for servicing
  • or for fitting summer/winter tyres.

Avoid going back and forth to the garage:
Have you had a minor accident, but your car is still running?
Solution? Collection and delivery
We will collect your damaged vehicle at a location and time of your choice and provide a replacement vehicle.
That way, you remain mobile throughout the entire repair process.
We then return your car repaired and cleaned, where and when you want it.

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Service and advice

What is the best insurance for your used car?

Want to optimize your car insurance costs while staying protected? Take the lead from four different insurance profiles.


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If you've recently settled in the Grand Duchy, one detail might surprise you: Mobility is still based on the car, despite the wide range of public transport services. More than a means of transport, the car is rooted in the country's culture.


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