Are you a new expat or resident in Luxembourg? Whether it's to protect your health, your property, your belongings or your business, it's important to take out insurance policies tailored to your needs and to comply with current regulations.
On our pages, we explore the main aspects of insurance in Luxembourg and what you really need to know about it.
Types of insurance in Luxembourg
Luxembourg offers a wide range of insurance products. These cover various aspects of residents' daily lives and economic activities, to reduce risks for policyholders.
Here are some of the most common types of insurance in Luxembourg to protect your health and that of your loved ones, your property or your business.
Some insurances are specifically designed for expatriates in Luxembourg. Find out more to ensure you're well covered in Luxembourg and abroad.
Car insurance in Luxembourg
Car insurance is compulsory in Luxembourg for all owners of a motor vehicle. Car insurance covers material damage and bodily injury caused in the event of an accident.
When you take out an insurance policy, you can opt for minimum cover, known as "third-party" cover, or comprehensive cover. In the first case, you benefit from the minimum coverage required. All-risk insurance offers more comprehensive options and better coverage for you and third parties. Find out more about car insurance in Luxembourg.
Home insurance in Luxembourg
Home insurance is not compulsory in Luxembourg. It is, however, strongly recommended to cover material damage. It protects your home against all the risks you may face: fire, natural disasters, theft, water damage, etc. Find out more about home insurance.
Health insurance in Luxembourg
The Caisse Nationale de Santé (CNS) is the main health insurance organization in Luxembourg. It covers basic health care, and residents are obliged to take out insurance. It is also possible to take out supplementary insurance for additional benefits and better healthcare reimbursement, depending on the case. Find out more about health insurance and complementary health insurance.
Liability insurance
Third-party liability insurance protects against claims for bodily injury or property damage caused to third parties. It's essential for both individuals and businesses. It is not compulsory in Luxembourg, unless you own a dog. It is often included in home insurance and covers all members of the household.
Life insurance in Luxembourg
Life insurance is a way of investing for the future of your family or beneficiaries. It can also be used as an estate planning tool.
Business insurance
Businesses in Luxembourg have access to a range of insurance products to protect their activities. These include civil liability, professional liability, property and business interruption insurance, including for the self-employed.
In addition, some insurance premiums are tax-deductible. Find out more here.
Luxembourg insurance market players
The insurance sector is well developed in Luxembourg. It includes a number of national and international players. Among the main insurance companies operating in Luxembourg are Axa, Bâloise, Lalux and Foyer.
See our pages dedicated to insurance in Luxembourg for full details.
Luxembourg's insurance regulator is the Commissariat aux Assurances (CAA). It ensures that insurance companies comply with regulations and protect policyholders' interests.
Costs and regulations in the insurance sector
As everywhere else, the cost of insurance policies varies according to many factors. For each type of insurance, we recommend comparing quotes from different insurance companies to find the best option. On our pages you'll find request forms for online insurance quotes.
The Commission de Surveillance du Secteur Financier (CSSF) regulates and supervises the entire financial sector, including insurance.
Insurers are subject to solvency requirements. They must hold sufficient funds to meet their obligations to policyholders and protect their rights.
In conclusion, whether you are a private resident in Luxembourg or a company based in the Grand Duchy, it's important to be well insured. From the moment you arrive in Luxembourg. Don't hesitate to consult an insurance advisor to help you make the right choices for your personal situation.
Would you like to know more about the main points to bear in mind when considering moving to or working in Luxembourg? Take a look at this page.
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