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easyPROTECT Auto IPID EN

Résumé

Insurance Product Information Document (IPID) for easyPROTECT-Auto, a Luxembourg motor vehicle insurance for cars and camping vans distributed under the LALUX Assurances brand. It covers motor third party liability and damage caused to the insured vehicle, and is sold as four cumulative tiers: BASISC RATE (as printed), SECURITY = Basic rate plus fire, theft, glass breakage, collision with a stray animal, forces of nature and an optional total loss guarantee; COMFORT = SECURITY plus damage to the vehicle and a replacement vehicle; PERFORMANCE = COMFORT plus personalisation of the premium and Repairs plus. Optional accessory guarantees (replacement value for three years, purchase value of used vehicle) apply to SECURITY (excl. total loss), COMFORT and PERFORMANCE, and luggage, accident coverage and the driver guarantee are listed for all packages.

Garanties

Civil liability - p. 1

Damage caused by the insured vehicle to persons and property - Optionnelle : non · Portée : In the countries indicated on the green card - Condition : BASISC RATE - Condition : Packages and guarantees applicable to motor vehicle insurance:

Costs and fees, up to EUR 10,000, of any proceedings or proceedings following a traffic accident - Optionnelle : oui · Limite : up to EUR 10,000 - Condition : BASISC RATE - Condition : Legal protection (for an additional premium):

Top Assistance (only for cars and if immobilised or stolen vehicle) - p. 1

Replacement vehicle (five days) - Condition : BASISC RATE - Condition : Top Assistance (only for cars and if immobilised or stolen vehicle):

Fire - p. 1

Lightning strike, burns, short circuit, etc.. - Condition : SECURITY = Basic rate + the following items :

Theft and attempted theft - p. 1

Carjacking, homejacking / Destruction or damage to the insured vehicle - Condition : SECURITY = Basic rate + the following items :

Glass breakage* - p. 1

Damage caused by broken windscreens, sunroofs, side windows and rear windows / Headlights and lights, including xenon headlights - Condition : SECURITY = Basic rate + the following items :

Collision with a stray animal - p. 1

Material damage following a collision with an animal - Condition : SECURITY = Basic rate + the following items : - Condition : *) The following are also insured if glass breakage insurance is taken out :

Forces of nature - p. 1

Material damage caused by: falling rocks, storms, hail, etc. - Condition : SECURITY = Basic rate + the following items : - Condition : *) The following are also insured if glass breakage insurance is taken out :

Optional guarantee – Total loss - p. 1

If the vehicle is declared economically irreparable following an accident. - Optionnelle : oui - Condition : SECURITY = Basic rate + the following items :

Damage to the vehicle (including total loss) - p. 1

Material damage to the vehicle caused by accidents/accidents of third parties or by martens/weasels; misfuelling; damage to tyres, including vandalism - Portée : Damage to the vehicle and baggage: Luxembourg, Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Macedonia (F.Y.R.O.M), Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Kingdom of Great Britain and Northern Ireland (including the Channel Islands, Gibraltar, Isle of Man), Vatican State - Condition : COMFORT =SECURITY + the following items :

Replacement vehicle - p. 1

Provision of a replacement vehicle/reimbursement of vehicle rental costs. - Sous-limite : Collateral guarantee: Premium category replacement vehicle. - Condition : COMFORT =SECURITY + the following items :

Personalisation of the premium - p. 1

A claim that does not involve the civil liability of the policyholder does not influence the bonus-malus system relating to the vehicle damage guarantee. - Condition : PERFORMANCE = COMFORT + the following items :

Repairs plus - p. 1

In order to avoid a total loss, the compensation to be paid for repairs will be increased by an amount equal to 10% of the replacement value of the insured vehicle (maximum EUR 2,500). - Limite : maximum EUR 2,500 - Sous-limite : an amount equal to 10% of the replacement value of the insured vehicle - Condition : PERFORMANCE = COMFORT + the following items :

Optional accessory guarantee – Replacement value for three years - p. 1

Replacement value for three years - Optionnelle : oui - Condition : Optional accessory guarantee - Condition : Only applicable to SECURITY (excl. total loss), COMFORT and PERFORMANCE:

Optional accessory guarantee – Purchase value of used vehicle - p. 1

Purchase value of used vehicle - Optionnelle : oui - Condition : Optional accessory guarantee - Condition : Only applicable to SECURITY (excl. total loss), COMFORT and PERFORMANCE:

Luggage and personal effects - p. 1

Luggage and personal effects - Portée : Damage to the vehicle and baggage: Luxembourg, Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Macedonia (F.Y.R.O.M), Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Kingdom of Great Britain and Northern Ireland (including the Channel Islands, Gibraltar, Isle of Man), Vatican State - Condition : For all packages:

Accident coverage – death, disability and medical expenses of the insured driver and/or his/her family - p. 1

Accident coverage – death, disability and medical expenses of the insured driver and/or his/her family - Condition : For all packages:

Driver guarantee - p. 1

Driver guarantee - Condition : For all packages:

Exclusions

Exclusion Description S'applique à Page
Non-conformity of the tyres with the legislation in force "What is not insured ?" / Common exclusions: Damage in connection with the non-conformity of the tyres with the legislation in force (except in civil liability). all (except in civil liability) p. 1
Objects and animals being transported "What is not insured ?" / Common exclusions: Unless otherwise agreed: damage caused to objects and animals being transported. all p. 1
Drivers acquiring a driving licence or vehicle rented out "What is not insured ?" / Civil liability: Unless otherwise agreed: damage caused by drivers in the process of acquiring a driving licence or when the vehicle has been rented out Civil liability p. 1
Intoxication / blood alcohol level above 1.2 g per litre of blood "What is not insured ?" / Legal protection, glass breakage and vehicle damage: Vehicle driven by a person showing overt signs of intoxication or whose blood alcohol level exceeded 1.2 g per litre of blood Legal protection, glass breakage and vehicle damage p. 1
Theft committed by members of the policyholder's family "What is not insured ?" / Theft: If committed by members of the policyholder’s family Theft p. 1
Damage to the driver: only optional "Are there any restrictions on cover ?" / Civil liability: Damage to the driver: only optional Civil liability p. 1
Premium increase after a liability claim (bonus/malus) "Are there any restrictions on cover ?" / Civil liability: Increase of the premium in the event of a liability claim (increase of the bonus/malus degree) Civil liability p. 1
Legal proceedings for the recovery of sums of less than EUR 500 "Are there any restrictions on cover ?" / Legal protection: Legal proceedings for the recovery of sums of less than EUR 500 Legal protection p. 1
Glass replacement only if technically necessary "Are there any restrictions on cover ?" / Glass breakage: Replacement only if technically necessary Glass breakage p. 1
Recent licence deductible "Are there any restrictions on cover ?" / Damage to the vehicle: Recent licence deductible; not deductible if the contract is in the name of a young driver Damage to the vehicle p. 1
Labour costs higher than the rates applied in Luxembourg "Are there any restrictions on cover ?" / Damage to the vehicle: Labour costs higher than the rates applied in Luxembourg. Damage to the vehicle p. 1

Franchises

  • Damage to the vehicle : Recent licence deductible; not deductible if the contract is in the name of a young driver

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
  • Submit a certificate from the former insurance company specifying the degree of bonus-malus and any claims (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 a claim) p. 2
  • Send in all the items required by the company to settle the claim. Transcripts, accident reports and other official documents must be sent as soon as possible. (In the event of a claim) p. 2
  • Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required. (Special provisions per guarantee:) p. 2
  • Call the company first (+352 44 88 88) (Special provisions per guarantee:) p. 2
  • Complaint or declaration must be filed immediately with the competent authorities. (Special provisions per guarantee:) p. 2
  • Complaint or declaration must be filed immediately with the competent authorities (Special provisions per guarantee:) p. 2
  • An official statement certifying the collision must be submitted to the company (Special provisions per guarantee:) p. 2

Procédure de sinistre

  1. Declare all claims within eight days of their occurrence and obtain the company’s consent before any action involving its intervention (délai : within eight days of their occurrence) p. 2
  2. Send in all the items required by the company to settle the claim. Transcripts, accident reports and other official documents must be sent as soon as possible. (délai : as soon as possible) p. 2
  3. Call the company first (+352 44 88 88) p. 2
  4. Complaint or declaration must be filed immediately with the competent authorities. (délai : immediately) p. 2
  5. Complaint or declaration must be filed immediately with the competent authorities / An official statement certifying the collision must be submitted to the company (délai : immediately) p. 2

Durée & résiliation

  • Durée : The beginning (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 30 days before the annual expiry date of the contract, within one month following the cancellation of a guarantee or other contract by the company after a claim or within 60 days after a rate increase notified by the company.
  • 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 terminate 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.
  • Droit spécial : In the event of termination, the company shall provide the customer with a bonus-malus certificate stating the degree and the claims for the current period.

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
  • Increase of the premium in the event of a liability claim (increase of the bonus/malus degree)
  • A claim that does not involve the civil liability of the policyholder does not influence the bonus-malus system relating to the vehicle damage guarantee.

Conditions particulières

  • easyPROTECT-Auto is an insurance that covers your motor vehicle third party liability as well as the damage caused to your vehicle. Its three packages (Security, Comfort and Performance) allow you to choose the contract best adapted to your needs and requirements. p. 1
  • Disclaimer: This document is not tailored to your specific needs and the information and obligations set out herein are not exhaustive. For full information on the rights and obligations of the insurance company and policyholders, please consult the general and/or special conditions relating to the insurance product chosen. p. 1
  • The mention "Non-exhaustive list" is printed at the foot of the "What is insured  ?" box, of the "What is not insured ?" box and of the "Are there any restrictions on cover ?" box. p. 1
  • In the countries indicated on the green card p. 2
  • Damage to the vehicle and baggage: Luxembourg, Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (and the Faroe Islands), Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Macedonia (F.Y.R.O.M), Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Kingdom of Great Britain and Northern Ireland (including the Channel Islands, Gibraltar, Isle of Man), Vatican State p. 2
  • *) The following are also insured if glass breakage insurance is taken out : Collision with a stray animal / Forces of nature p. 1
  • SECURITY = Basic rate + the following items : COMFORT =SECURITY + the following items : PERFORMANCE = COMFORT + the following items : p. 1

Lacunes d'extraction

  • Risk carrier undeterminable from this document. The header band prints only the brand "LALUX Assurances - Product : easyPROTECT-Auto" (verified on a 4x render of the page-1 band) and the body refers to the risk carrier only as "the company" / "the insurance company". No legal form, no R.C.S. number, no registered address and no supervisor appear on either page. lalux distributes under two separately authorised entities, and this document does not allow a choice between them, so no carrier entity has been recorded. insurer_name records the printed brand "LALUX Assurances" rather than the task-metadata value "lalux"; insurer_slug is copied through from the task metadata unchanged.
  • edition_date is null: no edition date, version code, year or printed footer appears on either page. Verified on renders; the lower margins carry only the "Non-exhaustive list" mentions and the disclaimer. Nothing was promoted from the file name or from PDF file metadata. reference is null for the same reason.
  • target_audience is null and target_audience_note is null: the document nowhere states a market segment. It describes the risk ("Motor vehicle insurance – cars and camping vans") and mentions a "young driver" and "members of the policyholder's family", but never says whether it is sold to particuliers, independants or entreprises. The audience was deliberately not deduced from the product type.
  • File-name divergence, recorded not resolved. The source file name contains "vehicules-type-1" (vehicle type 1). No vehicle-type category, class or numbering appears anywhere in the printed document, which describes itself only as "Motor vehicle insurance – cars and camping vans". Nothing has been promoted from the file name into any field. Sibling language versions of the same file name were not consulted.
  • Bullet marks are bitmap images, not text and not vector drawings. page.get_text("text") returns a bare tab plus space where each bullet sits, and page.get_drawings() carries no marks. Membership was recovered from the image blocks of get_text("dict") and placed by coordinate, then settled on a 3x-4x render. Counts close exactly on page 1: 31 image blocks = 20 green ticks in "What is insured ?" (15 at x0 29.8 in the left column, 5 at x0 307.6 at the top of the right column) + 5 red crosses at x0 307.6 (y 426-556) in "What is not insured ?" + 6 orange exclamation marks at x0 309.5 (y 645-769) in "Are there any restrictions on cover ?". Page 2 carries 2 further green ticks in "Where am I covered ?". The 20 ticks map onto 18 named guarantees because "Theft and attempted theft" and "Glass breakage*" each carry two bullets. These counts are stated here and not in key_quotes, because image marks are not text and cannot be grounded.
  • Two-column reversal check run and NEGATIVE. Page 1 is a two-column layout (left column x0 29.8, right column x0 307.6). The flat text emits the left column in full before the right column, and within the right column top-to-bottom, so covered items, exclusions and restrictions all attach to the correct box; nothing is crossed. Confirmed on a render: green ticks mark the insured box, red crosses the not-insured box, orange exclamation marks the restrictions box, so polarity is carried by three visually distinct marks and not by proximity alone. One flow-order artifact exists and is harmless: the full-width "Disclaimer" band (y 130.7-169.1) and the "What type of insurance is it ?" band (y 180.6-224.8) are printed at the TOP of page 1, above the two columns, but are emitted LAST in the flat text. They carry no coverage or exclusion, so no value is mis-attached; their page is still 1.
  • Internal tension between two boxes, recorded rather than resolved. "Driver guarantee" is listed under "For all packages:" in the "What is insured ?" box, while the "Are there any restrictions on cover ?" box states for civil liability "Damage to the driver: only optional". The document does not reconcile the two. Both readings are recorded verbatim - the guarantee is kept in coverages with is_optional: null, and the restriction is kept as an exclusion - and neither has been silently preferred.
  • Printed typography preserved verbatim, not corrected. The first package heading prints "BASISC RATE" (verified on a 4x render of the page-1 band - the page really does print BASISC, not BASIC); "COMFORT =SECURITY + the following items :" is printed without a space after the equals sign; "Lightning strike, burns, short circuit, etc.." ends with two full stops; and "Costs and fees, up to EUR 10,000, of any proceedings or proceedings following a traffic accident" repeats the word "proceedings". None of these has been repaired, so the quotes remain exact spans of the text layer.
  • The document uses thin spaces (U+2009) inside "Product : easyPROTECT-Auto", "What is insured ?", "What is not insured ?", "Are there any restrictions on cover ?" and "SECURITY = Basic rate + the following items :", and a curly apostrophe (U+2019) in "policyholder's family" and "the company's consent". Every key_quotes entry was sliced programmatically out of the PyMuPDF text layer rather than retyped, so those characters are preserved exactly.
  • Amounts are printed with the ISO code and a comma thousands separator ("EUR 10,000", "EUR 2,500", "EUR 500") and are kept verbatim in that form. No euro sign appears anywhere in the document, so there is no missing-glyph problem here; the unit is spelled as "EUR" on the page.
  • is_optional is only set where the document itself says so: true for "Legal protection (for an additional premium)", "Optional guarantee – Total loss" and the two "Optional accessory guarantee" items, false for "Civil liability" which sits in the BASISC RATE tier. It is left null for every guarantee whose availability depends only on which cumulative package is bought (SECURITY / COMFORT / PERFORMANCE), because the document states tier membership, not optionality, for those. The governing tier heading is recorded verbatim in each coverage's conditions.
  • definitions is empty: the document contains no glossary or defined terms. waiting_periods is empty and prescription_period is null: neither is mentioned. deductibles.standard and deductibles.variable are null - the only franchise wording in the document is "Recent licence deductible; not deductible if the contract is in the name of a young driver", which states no amount.
  • The "Are there any restrictions on cover ?" box has been recorded in exclusions (6 items) alongside the 5 items of the "What is not insured ?" box, because the schema has no separate restrictions array. Each description names the box it came from, so the two can be told apart downstream; the box headings and the per-guarantee sub-headings are reproduced verbatim.
  • The text layer of the page-1 header band is set in white (colour 16777215); it is printed on a solid blue banner and is fully legible on a render, so this is normal reversed-out type and not hidden text.
  • Both coverages and exclusions are exhaustive for this document: every bullet printed in the three boxes is recorded, and the tick/cross/exclamation counts above confirm none was dropped. The document itself declares all three lists "Non-exhaustive list", i.e. the underlying policy has more than the IPID prints; that statement is recorded in special_conditions and nothing has been added from outside the document.

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