The insurance that goes the extra mile
Private Costumers
lalux-Autoprima is the most complete car insurance on the market. You select the cover yourself, as well as the options and services you really need.
Your car insurance is suited to your car, to your family situation and to your budget. In addition, if there is an accident or material damage not involving third parties, the “casco” guarantee covers the repair of your car without any excess and without affecting your bonus.
Third Party Car Liability is obligatory and covers the victims of road accidents. It compensates people injured once liability is established on the part of the owner, holder or driver of the insured car or any person in it.
Family members are considered third parties for compensation for injury or loss. The cover is unlimited except for material damage caused by fire, flames or explosion.
The driver is the only person who is never protected by his own Third Party Car Liability cover! Our “Driver Cover” is a vital extra: it fills this hole and covers bodily injury suffered by the driver.
The costs of treatment, medical care, loss of income in the event of incapacity to work, invalidity or even death can be covered up to EUR 1,250,000.
This insurance extends to road traffic accidents in which the driver and his family are victims.
The insured sets the sums insured and can opt for a capital payment in the event of death or permanent invalidity or for the payment of a daily indemnity from the first day of hospitalisation and the reimbursement of medical costs.
You can have a trailer and repatriation service on the basis of the Third Party Car Liability cover.
If your car is immobilised as a result of an accident or theft, you have the benefit of a breakdown service, passenger assistance and a replacement car 24/24 7/7 both in the Grand Duchy of Luxembourg and in other countries of the EU, Switzerland and Norway.
No loss of no claims bonus under the “casco” guarantee
In the event of accident or material damage without third parties being involved or in the event of damage without the guilty party being identified, there is no penalty. The “Casco” guarantee covers the repairs to your car without any excess and without affecting your bonus.
3 years “new value” for cars less than one year old
The indemnity to be paid in the event of total loss or theft will be equal to your car’s new value for 36 months from the date of the car’s first registration, without mileage limitation!
3 years “plus value” for cars between one and three years old
The indemnity to be paid in the event of total loss or theft will be equal to your car’s replacement value, increased by 10%, for 36 months from the date of the car’s first registration.
Young driver benefits: no excess, no surcharge
Young drivers are free to choose their subscription formula and can subscribe at a tariff not including any obligatory excess. In addition, no surcharge will be made on signature on the insurance contract.
Mobility above all
In the event of theft or total loss of your car, we will provide you with a replacement car for a maximum 31 days.
Free choice of garage
You are free to choose the garage you trust to carry out your repairs. We do not impose any requirement to instruct an approved garage.
Damage assessment by an independent expert
In the event of a claim or total loss, the damage assessment will be made by an independent expert approved by the “Ordre des Experts”.