Whether you're a long-term resident in Luxembourg or have just arrived, you need to know all about the compulsory insurances in our peaceful Grand-Duchy. Although the list of covers required by law is relatively short, some insurances are highly recommended to protect you against unforeseen events. Here's a clear and concise overview to help you make the right choices.
Civil liability, crucial protection
If you own a car in Luxembourg, third party civil liability car insurance is compulsory. It covers material damage and personal injuries that you may cause another party in the case of an accident. However, please remember that this insurance does not include damage to your own vehicle. Therefore, you must take out supplementary insurance like casco. LALUX easyPROTECT Auto insurance offers packages to suit your vehicle and needs.
Civil liability insurance for the family is not compulsory except if you have a dog. As a dog owner, you must take out this insurance, which can be included in the easyPROTECT Home contract. Do you need a certificate to register your dog with the local authority? No worries! Just request it on the easyAPP.
Even if you don't own a dog, we strongly advise you to take out family civil liability insurance. It protects you against financial implications in the case of unintentional damage to others. For just a small premium, a few euros per month, you can protect the whole family.
If you're a keen hunter or fan of sailing, specific civil liability insurance is also required by law.
Protect your home, the place that you hold closest to your heart
Although you're not legally required to take out home insurance, it's a decision you certainly won't regret. Whether you're a tenant or home owner easyPROTECT Home is a multi-risk insurance to suit your situation. When it comes to claims, don't leave anything to chance and choose the right cover to meet your needs. Peace of mind is priceless and this insurance gives you just that on a daily basis.
Daily life with complete peace of mind
In Luxembourg, each employee is automatically covered by occupational accident insurance, which protects you in the event of an accident in the workplace or linked to your job. However, this protection does not extend to activities outside the workplace. For complete cover, think about taking out a private accident insurance such as easyPROTECT Accident, which covers misfortunes in everyday life.
Your health, our priority
Your well-being and that of your nearest and dearest is a top priority. The Luxembourg health system is one of the best in the world, but it doesn't cover everything. To compensate for the sometimes limited reimbursements paid out by your compulsory insurance, it is wise to take out complementary health insurance. As a member of the LALUX group, DKV Luxembourg's EASY HEALTH insurance is ideal if you want to fill in the gaps in your basic cover. It gives you access to the best possible medical care, in particular in the event of a serious illness.
Plan your future and live in the moment
Thinking of the future is essential and retirement planning in Luxembourg isn't just a question of saving for retirement. With easyLIFE Pension, you get a double advantage. On the one hand, you're building up additional income for your latter years, guaranteeing a comfortable retirement. And, not the least, you'll also benefit from significant tax reductions right away. It's a win-win! You're preparing for the future while optimising your current tax situation.
Explore all insurance solutions
Don't leave anything to chance and explore the different insurance solutions available in Luxembourg. Whether it's for your vehicle, home, health or your daily activities, LALUX offers you packages tailored to your needs to guarantee you lead a stress-free life. The right choice of insurance today means peace of mind for tomorrow. Discover LALUX's full range of insurance policies.