Third-party liability As the owner of a vehicle, third party motor liability insurance is mandatory. It comes into play when you are at fault in an accident that has caused damage to third parties. We reimburse these costs, as well as any damages to which that person may be entitled.

Standard legal cover We provide legal defence and ensure action against third parties responsible to recover the compensation due to you.

Extended legal cover This insurance covers the costs incurred for civil proceedings and the defence of your legal interests following a claim or if you have a dispute concerning the purchase or sale of your vehicle, following a repair at your garage, or need to defend yourself in the context of a statement, etc.

Assistance 24/7 Whether your accident occurs in Luxembourg or abroad, you have the assurance of being taken care of, 24-hour recovery, repatriation costs, accommodation costs, travel continuation costs.

Breakdown Assistance A breakdown, a puncture, the wrong fuel, no fuel or lost your key? We will get a mechanic out, 24/7. If a breakdown service is not possible, your vehicle will be recovered and you get a replacement car while it is being repaired, for five days.

Fire Fire insurance covers damage to your vehicle due to fire, explosion, lightning or a short circuit in the electrical system.

Glass damage We cover the repair or replacement to all your vehicle's glass components ing (windscreens, windows, glass roof, etc.), including the technical or technological elements incorporated in specific visual areas (sensors, etc.).

Forces of Nature If your vehicle is parked outside, this additional cover can be useful to repair damage caused by lightning, a sudden hailstorm or even a falling tree. The consequences of floods and earthquakes are also covered.

Collision with an animal This insurance covers damage to the vehicle caused by collision with an animal, whether stray or lost.

Theft and vandalism Covers not only the theft of your vehicle, but also the damage caused to it as a result of attempted theft. In the event of theft of your vehicle keys, the costs of reprogramming the vehicle by the garage are also covered.

Material damage All physical damage to your vehicle is covered whether or not you are at fault. We also cover damage caused by a rodent or due to misfuelling, etc.

Mobility Joker Are you unable to drive your vehicle because you are too tired or think your blood alcohol content is over the legal limit? Included automatically in your ZEN package, this cover allows you to benefit from three free taxi journeys per year up to a maximum of 70 km.

Mobility We arrange for a replacement vehicle to be made available, for up to 45 days. If you don't need this vehicle or if you want another vehicle according to your current needs (holidays, etc.), we will refund all or part of your rental or pay you a fixed price.

Transported personal belongings Personal belongings include your luggage and objects carried inside the vehicle or in the roof box, but also your multimedia equipment (laptop, smartphone, GPS, etc.). This insurance covers their repair or replacement. If you are a motorcycle driver, the motorcycle's protective equipment is also covered.

Value +/Purchase price In the event of theft or total loss of your vehicle, this cover provides you with compensation in the amount of the purchase price or price new for 36 months from the date 1st registered (or 90,000km in total). This means you are guaranteed to be able to buy the same vehicle without putting in any money yourself.

Bonus protection With this option, you do not lose your bonus/malus level in the event of bodywork damage claims. You therefore avoid a premium increase following the declaration of one or more claims.

Protected driver Physical injury resulting from a road accident is compensated for all authorised drivers of the vehicle.

Traffic accident As a driver, passenger, pedestrian, cyclist or public transport user, this cover compensates you in the event of disability and pays a lump sum to your loved ones in the event of death.