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easyPROTECT Comprehensive IPID EN

Résumé

Insurance Product Information Document for the comprehensive (all-risks) insurance for personal property included in the easyPROTECT product, headed "Comprehensive insurance for personal property" and issued under the brand "LALUX Assurances". Within the limits of the Special Conditions it covers loss, damage or material damage to the insured objects where the risk results from theft, fire, explosions, damage caused by water or an exclusively accidental cause. The policyholder chooses which categories of object are insured among musical instruments, cameras and similar devices, jewellery and furs, private collections of postage stamps, and cycles. Cover applies worldwide unless the General Terms and Conditions stipulate otherwise.

  • Assureur : lalux · Branche : Autres · Type : IPID / Fiche d'information

Définitions

Terme Définition Page
Cycles cycles or any vehicle with at least two wheels, and which are propelled by the muscular energy of the person on the vehicle, are considered as cycles p. 1
Private collections of postage stamps limited to collections mounted in albums or on loose-leaf sheets - individual stamps worth more than EUR 495.79 are covered by special agreement p. 1

Garanties

Comprehensive insurance for personal property - p. 1

The comprehensive insurance for personal property included in the easyPROTECT product covers, within the limits provided for in the Special Conditions, the risks of loss, damage or material damage suffered by the insured objects, provided that these risks result from theft, fire, explosions, damage caused by water or an exclusively accidental cause. - Optionnelle : non · Portée : Worldwide, unless stipulated otherwise in the General Terms and Conditions. · Limite : within the limits provided for in the Special Conditions - Condition : provided that these risks result from theft, fire, explosions, damage caused by water or an exclusively accidental cause

Musical instruments - p. 1

Musical instruments, listed among the risks the comprehensive insurance covers at the policyholder's choice, with the exception of the elements expressly excluded by the General Conditions. - Optionnelle : oui · Portée : Worldwide, unless stipulated otherwise in the General Terms and Conditions. - Condition : The comprehensive insurance covers, at your choice, the following risks, with the exception of the elements expressly excluded by the General Conditions

Cameras, video cameras, tape recorders, portable radios and similar devices - p. 1

Cameras, video cameras, tape recorders, portable radios and similar devices, listed among the risks the comprehensive insurance covers at the policyholder's choice. - Optionnelle : oui · Portée : Worldwide, unless stipulated otherwise in the General Terms and Conditions. - Condition : The comprehensive insurance covers, at your choice, the following risks, with the exception of the elements expressly excluded by the General Conditions

Jewellery and furs - p. 1

Jewellery and furs, listed among the risks the comprehensive insurance covers at the policyholder's choice. - Optionnelle : oui · Portée : Worldwide, unless stipulated otherwise in the General Terms and Conditions. - Condition : The comprehensive insurance covers, at your choice, the following risks, with the exception of the elements expressly excluded by the General Conditions

Private collections of postage stamps - p. 1

Private collections of postage stamps (limited to collections mounted in albums or on loose-leaf sheets - individual stamps worth more than EUR 495.79 are covered by special agreement). - Optionnelle : oui · Portée : Worldwide, unless stipulated otherwise in the General Terms and Conditions. · Limite : limited to collections mounted in albums or on loose-leaf sheets - individual stamps worth more than EUR 495.79 are covered by special agreement - Sous-limite : individual stamps worth more than EUR 495.79 are covered by special agreement - Condition : The comprehensive insurance covers, at your choice, the following risks, with the exception of the elements expressly excluded by the General Conditions

Cycles - p. 1

Cycles: cycles or any vehicle with at least two wheels, and which are propelled by the muscular energy of the person on the vehicle, are considered as cycles. - Optionnelle : oui · Portée : Worldwide, unless stipulated otherwise in the General Terms and Conditions. · Limite : an obsolescence rate of 10 % per year applies, limited to a maximum of 80 % - Sous-limite : if the cycle is repairable, the compensation is determined either on the basis of a repair quotation/invoice or on the basis of an expert report. The compensation may not exceed the difference between the replacement value and the salvage value. - Sous-limite : Irreparable cycles: compensation equal to the replacement value less the replacement value. [printed as such; see gaps] - Condition : The comprehensive insurance covers, at your choice, the following risks, with the exception of the elements expressly excluded by the General Conditions

Exclusions

Exclusion Description S'applique à Page
Musical instruments - Abrasions, scratches and scraping Abrasions, scratches and scraping Musical instruments p. 1
Musical instruments - Breakage of strings and guts, damage to the bow, cases, tailpiece, bridge, keys and tuning instruments Breakage of strings and guts, damage to the bow, cases, tailpiece, bridge, keys and tuning instruments Musical instruments p. 1
Musical instruments - Theft when instruments are left overnight in a public place of entertainment Theft committed when instruments are left overnight in a theatre, music hall, concert hall, dance hall or other public places of entertainment, unless they are locked away in a room Musical instruments p. 1
Musical instruments - Damage during transport without special packaging Damage during transport, if the instrument is not kept in special packaging Musical instruments p. 1
Cameras and similar devices - Breakage of lamps, lenses, electronic tubes, flashes or similar Breakage of lamps, lenses, electronic tubes, flashes or similar unless they are broken with the device itself Cameras, video cameras, tape recorders, portable radios and similar devices p. 1
Cameras and similar devices - Theft by persons to whom the instruments are entrusted, loaned or rented Theft by persons to whom the instruments are entrusted, loaned or rented. Cameras, video cameras, tape recorders, portable radios and similar devices p. 1
Jewellery and furs - Damage while the items are not in authorised care Damage occurring while the insured items are not in the care of the policyholder, a member of their family or a person licensed for the repair or custody of these items Jewellery and furs p. 1
Jewellery and furs - Theft by members of the policyholder's family or with their complicity Theft committed by members of the policyholder’s family or with their complicity Jewellery and furs p. 1
Jewellery and furs - Breakage of watch glasses only Breakage of watch glasses only without any other concomitant damage Jewellery and furs p. 1
Private collections of postage stamps - Damage caused by friction of album pages, stamp handling or humidity Damage caused by friction of album pages, stamp handling or humidity. Private collections of postage stamps p. 1
Cycles - Damage to parts due to wear and tear or lack of care Damage to parts due to wear and tear or lack of care Cycles p. 1
Cycles - Damage to tires and tubes not concomitant with other covered damages Damage to tires and tubes when this damage does not occur in conjunction with other covered damages Cycles p. 1
Cycles - Damage caused to rented cycles Damage caused to rented cycles Cycles p. 1
In general - Forgotten, misplaced or lost objects Forgotten, misplaced or lost objects all p. 1
In general - Damage caused by fraud, wilful misconduct or gross negligence of the insured person Damage caused by fraud, wilful misconduct or gross negligence on the part of the insured person all p. 1
In general - Damage caused by any repair, restoration, cleaning or refurbishing process Damage caused by any repair, restoration, cleaning or refurbishing process all p. 1

Obligations de l'assuré

  • Provide as complete and accurate a description as possible of the risk to be insured, without misrepresentation or omission (When subscribing) p. 2
  • Report to the company any new circumstances that may increase the risk or create new ones (During the contractual period) p. 2
  • Notify the company of any change in the data included in the contract, in particular in the event of a change of address or a change of bank account (During the contractual period) p. 2
  • Pay your insurance premiums within the time limits stipulated in your contract. In case of non-payment, the company can suspend the warranties or cancel the contract (During the contractual period · In case of non-payment, the company can suspend the warranties or cancel the contract) p. 2
  • Declare all claims within eight days of their occurrence and obtain the company’s consent before any action involving its intervention. In the event of theft or loss, the insured person is obliged, within 24 hours, to notify the Company by registered letter, indicating the circumstances of the events. In the event of theft, the insured person must file a complaint with the competent authorities within 12 hours. (In the event of a claim) p. 2
  • Provide as soon as possible all information enabling the company to determine the circumstances and assess the extent of the damage. (In the event of a claim) p. 2

Procédure de sinistre

  1. Declare all claims within eight days of their occurrence (délai : within eight days of their occurrence) p. 2
  2. Obtain the company’s consent before any action involving its intervention (délai : before any action involving its intervention) p. 2
  3. In the event of theft or loss, the insured person is obliged, within 24 hours, to notify the Company by registered letter, indicating the circumstances of the events. (délai : within 24 hours) p. 2
  4. In the event of theft, the insured person must file a complaint with the competent authorities within 12 hours. (délai : within 12 hours) p. 2
  5. Provide as soon as possible all information enabling the company to determine the circumstances and assess the extent of the damage. (délai : as soon as possible) p. 2

Durée & résiliation

  • Durée : The start (effective date) and expiry of the contract are indicated in the Special Conditions
  • Reconduction tacite : oui
  • Préavis : 30 days before the annual expiry date of the contract
  • Modalité : Cancellation must be requested by registered letter
  • Droit spécial : within one month following the cancellation of a guarantee or other contract by the company after a claim
  • Droit spécial : within 60 days after a rate increase notified by the company
  • Droit spécial : The company may cancel the contract after a claim has been submitted, in the event of fraud, non-payment, or following notification 60 days before the annual expiry date of the contract.

Prime

  • The amount indicated on the annual due date notice is payable on the first day of the month of the due date
  • Monthly payments may be made by direct debit, without additional costs

Conditions particulières

  • If at the time of the loss, the current value of the insured object exceeds the sum insured, the insured person is considered to be their own insurer for the excess and bears a proportional share of the damage. p. 1
  • In the event of non-compliance with the obligations concerning safety and protection, the benefits due by the Company are reduced within the limits of the damage suffered by the latter. p. 1
  • If the insured objects are part of a collection, pair, adornment or fitting, the coverage will be limited, in the event of a loss, to the intrinsic value of the damaged objects, without taking into account the special value that the latter may have in the composition of the collection, pair, adornment or fitting. p. 1
  • Cycles: if the cycle is repairable, the compensation is determined either on the basis of a repair quotation/invoice or on the basis of an expert report. The compensation may not exceed the difference between the replacement value and the salvage value. Irreparable cycles: compensation equal to the replacement value less the replacement value. p. 1
  • Cycles: an obsolescence rate of 10 % per year applies, limited to a maximum of 80 %. p. 1
  • Student housing: Provided that an insurance certificate has been issued to the insured person, coverage is granted for the period indicated on the certificate p. 2

Lacunes d'extraction

  • CARRIER UNDETERMINABLE. The document prints only the brand "LALUX Assurances" (header line "LALUX Assurances - Product : easyPROTECT Comprehensive") and refers to the insurer in the body as "the Company" / "the company". No legal form, no RCS number, no address and no supervisor are printed anywhere on the two pages. lalux is two separately authorised entities (LA LUXEMBOURGEOISE S.A., non-life, and LA LUXEMBOURGEOISE-VIE S.A., life), and naming neither does not allow one to be chosen. insurer_name is copied through from the task metadata as "lalux" and no legal entity is asserted.
  • BRANCH DISAGREEMENT (flagged for review). The task metadata gives branch=multirisque-professionnelle and it has been copied through unchanged, but the document itself is an all-risks cover for personal property (musical instruments, cameras, jewellery and furs, private stamp collections, cycles) sold as part of easyPROTECT, and it refers to "the policyholder, a member of their family" and to "Student housing". Nothing in the document describes a professional or business risk. Within the allowed Luxembourg slugs, habitation or autres would fit the printed content better than multirisque-professionnelle.
  • LAYOUT DEFECT, verified on a render at 3x. The "What is not insured ?" list is split across two boxes and the second half is printed ABOVE its own heading: the top-right grey box of page 1 (text-layer blocks at x 307-568, y 256-455) carries the categories "Private collections of postage stamps", "Cycles" and "In general" with no heading of its own, in the position where a reader expects the continuation of "What is insured ?". The render shows those items carry the red cross (X) marker used for exclusions, not the green tick used in the "What is insured ?" box, so all seven have been recorded as exclusions. The text layer emits that box before the "What is not insured ?" heading, which reproduces the printed order.
  • INTERNAL CONTRADICTION, printed as such and preserved verbatim. Under "Are there any restrictions on cover?" the document states: "Irreparable cycles: compensation equal to the replacement value less the replacement value." Read literally this yields nil compensation and contradicts the preceding sentence, which uses "the difference between the replacement value and the salvage value". Confirmed on a render that the page really prints "less the replacement value"; it has NOT been corrected. The reading the sibling-language versions may carry has not been imported.
  • TENSION BETWEEN CLAIM DEADLINES, recorded as printed without arbitration. "What are my obligations ?" requires claims to be declared "within eight days of their occurrence", but for theft or loss requires notification by registered letter "within 24 hours", and for theft a complaint to the competent authorities "within 12 hours" - i.e. the complaint deadline expires before the notification deadline. All three are recorded separately in claims_procedure.
  • edition_date is null: no edition date, version code or reference number is printed on either page. The PDF's own metadata carries the InDesign file name "IPID_Tous Risques relative aux biens_LALUX_EN.indd" and a creation date of 2021-05-06, but neither is printed on the document and neither has been promoted into edition_date or reference.
  • target_audience is null: the document nowhere states a target public. The wording that bears on it is recorded in target_audience_note and has not been converted into a value.
  • No deductible / franchise is stated anywhere, so deductibles is null. The nearest thing is the under-insurance rule recorded in special_conditions, under which the insured "is considered to be their own insurer for the excess and bears a proportional share of the damage" - that is a proportional under-insurance rule, not a franchise, and has not been recorded as one.
  • No waiting period and no prescription period are stated; both left empty/null rather than inferred.
  • The "What is insured ?" box opens with "with the exception of the elements expressly excluded by the General Conditions" and both exclusion boxes are closed by the label "Non-exhaustive list". The General Conditions are not part of this document, so the exclusion list here is by the document's own admission incomplete.
  • is_extension has been set to false. The document says the cover is "included in the easyPROTECT product" - i.e. a module of a package - but it is never described as an option, extension or rider, so it has not been recorded as one. product_family=easyPROTECT and variant=Comprehensive record the relationship instead.
  • Character notes for downstream consumers: the text layer contains U+2009 THIN SPACE (11 occurrences) before "?" in the section headings, before ":" in the header product line, and inside the percentages "10 %" and "80 %"; and U+2019 in "policyholder’s" and "company’s". All key_quotes were sliced programmatically as exact spans and preserve these characters. The prompt text was verified byte-identical to page.get_text("text") of the local PDF for both pages before extraction; the text was not truncated (2 pages).
  • Optionality: the five object categories are marked is_optional=true on the strength of the printed phrase "The comprehensive insurance covers, at your choice, the following risks". The document gives no formula/tier table and states no sum insured for any category; sums insured are left to the Special Conditions, which are not part of this document.
  • Branche corrigee en amont le 2026-08-03: tous risques objets: instruments de musique, appareils photo, bijoux et fourrures, collections de timbres, cycles. Ni habitation, qui vise le logement, ni multirisque professionnelle, qui etait le classement herite du prefixe easyPROTECT partage avec la gamme PRO. Aucun slug luxembourgeois ne couvre les tous risques objets: classe autres, ce qui est le role du repli.

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