Car & Mobility Insurance Plans in Foyer Assurances S.A. – Full Guide for Drivers in Luxembourg
When I started looking into car insurance options in Luxembourg, I wanted more than just basic coverage. I wanted a plan that gives real support—during an accident, when traveling, or even if my car breaks down in the middle of nowhere. After digging into what’s available, Foyer Assurances S.A.’s “mobilé” car insurance really stood out for its flexibility, depth of coverage, and modern approach to mobility.
In this post, I’m breaking down the full range of Foyer’s car and mobility insurance plans, how they work, what they include, and who they’re best suited for.
🚗 mobilé – The Core Car Insurance Plan from Foyer
Foyer calls their auto insurance product mobilé, and it’s designed to protect your vehicle, yourself, and others in a completely customizable way. It covers everything from legal third-party obligations to total car loss, accident support, and even mobility services.
Here’s how it’s structured:
🔍 Three Core Coverage Levels
You can build your plan by choosing one of the three main protection packages:
🔸 1. mobilé basic – Compulsory Third-Party Liability
-
Covers damage you cause to others (vehicles, property, people).
-
Mandatory in Luxembourg for all vehicle owners.
-
Also includes legal defence if you’re taken to court after an accident.
-
Does not cover damage to your own vehicle.
✅ Best for: Budget-conscious drivers, older cars, or people driving rarely.
🔸 2. mobilé plus – Third-Party + Fire, Theft, Glass, Natural Events
-
Includes everything in mobilé basic, plus:
-
Theft of your car
-
Fire or explosion
-
Glass breakage (windscreens, windows, mirrors)
-
Storm or natural disaster damage
-
Animal collision damage
-
-
Does not cover your own accident damage unless another party is at fault.
✅ Best for: Newer vehicles or those parked in risk-prone areas.
🔸 3. mobilé global – Full Casco (All-Risk Coverage)
-
Includes everything in mobilé plus, and:
-
Own damage even if you are at fault
-
Vandalism
-
Parking damage (hit and run)
-
Total loss replacement value
-
Optional deductible reduction
-
Choice of market value or new value reimbursement
-
✅ Best for: New cars, financed or leased vehicles, or those who want full peace of mind.
🚙 Optional Add-ons & Services
Foyer lets you customize mobilé further with useful extras:
🛠 Assistance 24/7 (Breakdown + Accident Help)
-
Roadside assistance anywhere in Luxembourg or Europe
-
Towing, accommodation, replacement car, etc.
-
Can be extended to cover travel assistance (flights, hotel, repatriation)
🚗 Replacement Vehicle Cover
-
Provides a car for up to 30 days while yours is in repair or replaced after an accident.
🧍 Driver Accident Protection
-
Covers injuries or death of the driver (even if you're at fault)
-
Medical costs, loss of income, or compensation for family
⚖️ Legal Protection Cover
-
Covers legal fees, court representation, and advice if you’re in a dispute related to your car or accident
💰 How Premiums Are Calculated
Foyer tailors your premium based on:
-
Vehicle type, age, and value
-
Your age and driving history
-
Location (urban vs rural)
-
Coverage and optional add-ons
-
Bonus-malus (no-claims bonus system)
💡 Tip: Foyer’s bonus-malus system rewards claim-free years with premium discounts, and you can even protect your bonus level with a small extra premium.
📱 Digital Features I Liked
-
Mobilé App / Client Portal: File claims, track repairs, request roadside help—all digitally.
-
Paperless Green Card: Proof of insurance available online.
-
Eco-friendly options: Special pricing for electric/hybrid vehicles.
✅ Who mobilé Is Perfect For
| Driver Profile | Recommended Plan |
|---|---|
| First-time or budget driver | mobilé basic |
| Mid-range car owner | mobilé plus |
| New car or financed vehicle | mobilé global |
| Daily commuters | Add replacement car + accident driver cover |
| Families with kids | Add legal protection + extended assistance |
| Electric vehicle owners | Eco discounts available |
📌 Summary – Foyer mobilé Car Insurance Plans
| Plan | Covers |
|---|---|
| mobilé basic | Mandatory third-party liability + legal defense |
| mobilé plus | Theft, fire, glass, storm, animal damage + all from mobilé basic |
| mobilé global | All-risk, own damage, vandalism, hit-and-run, total loss |
| Optional Services | Roadside help, legal cover, replacement car, driver injury, bonus protect |
| Ideal For | All types of drivers—customizable for beginners, families, and car lovers |
🧠 Final Thoughts
What I like most about Foyer’s mobilé insurance is how modular and transparent it is. Whether you're driving an old car or leasing a brand-new hybrid, there’s a package that fits your needs—and you won’t be paying for things you don’t want.
Their support system is strong, the digital tools are easy to use, and you get the added benefit of linking your car policy with your home or life insurance for bundle discounts.
In a country like Luxembourg where road laws are strict and repair costs are high, having reliable and flexible car insurance isn’t just smart—it’s essential.
No comments:
Write comments