Individual Insurance in Luxembourg

Personal Liability Insurance protects you from any financial consequences in the case you are responsible for any unintentional damage to a third party.

In many cases, this insurance is an additional guarantee to your home insurance.

To cover your property, OCA can advise you on products in Luxembourg or abroad:

• Multi-risk home and private life: whether you own or rent houses or flats, a multi-risk insurance policy protects your property and its contents from fire, glass breakage and damage due to storms, water, snow or natural disasters, with additional cover options.
• Secondary residence
• Vehicles: car, motorbike, trailer, car collections
• Motor homes
• Boats
• Mobile devices: telephone, laptop, drone
• Valuables: jewellery, watches, bags, paintings etc.
• Driving on tour
• Luggage

For businesses and professionals – Please see Property Insurance – Professional, under the heading "Business and Professional Insurance" or click here.

OCA offers you a variety of products:

Travel Insurance

While on holiday travel insurance is always useful and can take several forms:

• Cancellation insurance
• Protection of your luggage
• Personal and Vehicle Assistance
• 24/7 assistance
• Repatriation

Retirement & death and disability insurance

• Retirement: pension plan insurance may be deducted from your tax return in Luxembourg.
• Life Insurance - Death and disability: this cover guarantees the payment of a capital sum to protect your beneficiaries in the event of death or total/partial irreversible disability.

Health Insurance

In Luxembourg, supplementary health insurance comes after the CNS (Caisse Nationale de Santé) refunds. Various health costs that can be refunded:

• in the event of hospitalization
• for dental treatment
• for visual and ophthalmic aids
• for alternative therapies

Accident Insurance

General accidents occur much more frequently than traffic accidents. Accidental Life Insurance cover takes care of the any lasting consequences of an accident for both you and your whole family.

Housing Loan Insurance - Credit Protection Insurance

When buying a property in Luxembourg, the bank often requires an additional guarantee to insure the loan: the Credit Protection Insurance. This guarantee covers the reimbursement to the bank of all, or part of, the remaining outstanding sum in the event of the death of the insured.

This insurance is often combined with a total and permanent disability guarantee.

Legal Protection Insurance provides advice and support in the event of disputes. It provides contact with qualified lawyers who can respond to any questions, draft your communication and manage conflicts out of court. It covers the costs of the procedure.

This insurance is often linked to home insurance and protects in the event of a dispute with an employer. However, an extension of guarantee must be taken out to cover vehicles.

Hunting insurance covers damage caused to others and compensates in the event of a personal accident. Extensions can also be made to cover dogs and firearms in the event of breakage or theft.

It is recommended that you take-out third-party liability cover combined with legal protection. The latter can be useful in case of any litigation or other recourse against you.