Lovys

Car insurance
that adapts to the way you drive.

From €9/month
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Over 50,000
policyholders trust Lovys
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Rated 4 out of 5 stars
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Why is it easier to drive with our car insurance?

Customisable
Plans that adapt to your profile. Add only what you need.
24/7 assistance
Roadside assistance wherever you are, whenever you need it.
Fair prices
No hidden fees. You only pay for what you need.
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Lovys

Discover our online car insurance

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How quickly can I be insured with Lovys?

Just a few minutes: you receive your temporary certificate of insurance immediately after signing up, and can hit the road straight away.

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How do I switch insurer and move to Lovys?

If your current contract is a year old or more, we take care of cancelling it for you, free of charge. You just need to give us a few details, such as your contract number.

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Why choose Lovys over a traditional insurer?

100% customisable plans, fair prices, and a real team of people who answer you, with no bots or answering machines.

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The essential cover included in your car insurance

Third-party liability
This cover protects you against damage you may cause to others (drivers, cyclists, pedestrians, etc.). For example, if you cause an accident, we will pay for repairs to the vehicle you hit, as well as for the injuries suffered by the injured driver.
All accidental damage (at fault or not)
This cover reimburses damage to your vehicle following a claim, whether you are at fault or not, even if you were unable to identify the person responsible.
Theft & fire
This cover reimburses damage to your vehicle in the event of a collision, theft, fire or other accidental event. In short, damage for which you are not at fault because your driving was impeccable.
Glass breakage
This cover reimburses damage to your vehicle's glass in the event of a collision. Lovys replaces, Lovys repairs.
50 km assistance
You and your vehicle get immediate emergency assistance in the event of a breakdown or accident more than 50 km from your home.
Legal defence and recourse following an accident
We cover your legal costs if you are involved in a dispute following an accident. If legal action is taken against you, we support you and defend your case, up to €3,000.

Options that make all the difference

Strengthen your protection with options tailored to your needs
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Driver protection

Whether you are the victim or at fault in an accident, this cover entitles you to compensation in the event of permanent physical or psychological injury.

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Third-party liability for trailers over 750 kg

Your trailer over 750 kg is covered in the event of a claim involving a third party.

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Personal belongings & equipment

Insure the personal items and belongings in your vehicle, such as your smartphone, GPS, luggage or clothes, against theft or damage during an accidental event (accident, theft, etc.).

Choose car insurance that matches the way you drive

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Third Party Only
The essentials for peace of mind on the road every day.
from €9/month
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Third Party, Fire & Theft
Balanced protection for regular use.
from €11/month
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Fully Comprehensive
Complete protection for maximum peace of mind.
from €14.50/month
Lovys

Protection that adapts to your needs

Need assistance even outside your front door, a courtesy vehicle or legal protection? Customise your plan with the options that suit you.
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0 km assistance

Get 24/7 assistance in the event of a breakdown or accident. We will tow and repair your vehicle, even right outside your home.

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0 km assistance & courtesy vehicle

Get 24/7 assistance in the event of a breakdown or accident. We will tow and repair your vehicle, even right outside your home. You are also entitled to a courtesy vehicle equivalent to yours while repairs are carried out!

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Legal protection

Get legal and financial support when life throws you a curveball. Our experts help you resolve various types of disputes.

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Understand your car insurance in 5 minutes flat

Bonus-malus (no-claims system): what does it mean and how is it calculated?
Your bonus-malus raises or lowers the monthly price of your vehicle insurance. It is specific to each driver and reflects your behaviour behind the wheel.
What is the difference between third party only, third party, fire & theft, and fully comprehensive?
The fundamental difference between these three plans is above all the level of protection for the car, but also for the person behind the wheel. In fact, fully comprehensive is the only plan that protects the driver in an at-fault accident. In other words, if you accidentally crash into a car, only the Fully Comprehensive plan will reimburse the damage to your vehicle and any injuries you suffer.
How much does car insurance cost?
Great question! It is actually very hard to estimate the price of car insurance. Why? Because it depends on many factors: the driver's profile, the vehicle to be insured, claims history, the plan and options chosen…
What is an excess in car insurance?
First of all, there isn't just one excess but several (just to make things more complicated). An excess is the amount deducted from any reimbursement you receive in the event of a claim. So the higher your excess, the lower the price of your car insurance. But it also means that if you make a claim, your compensation will be lower than with a low excess.
What is a temporary cover period?
The temporary cover period of your car insurance is the time between signing up and receiving your final green card. During this period you are of course insured, but on a third-party basis, while your contract is validated. At Lovys, for example, you have a 15-day temporary cover period during which you must send us your documents (vehicle registration certificate, driving licence, etc.), otherwise we will not be able to activate your car insurance permanently. This practice is widespread among insurers. Note that it is different from short-term car insurance, which is designed for drivers who only want to insure their vehicle for a very short time, from 1 to 90 days.
How do I get my car insurance quote?
Easy, just click on free quote! Your Lovys car insurance quote is available free of charge in a few clicks on our website. Run a simulation, you might just want to switch insurer.

Need more clarity? Start here.

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How quickly can I be insured and hit the road?

With Lovys, you can be insured in just a few minutes. As soon as you sign up, you get immediate temporary cover that lets you drive your vehicle legally, straight away. You receive your certificate of insurance instantly, with no waiting.

Your final contract is activated once your documents have been checked: a quick and simple process, entirely online. No paperwork, no delays: fast, hassle-free protection when you need it.

Does Lovys help me switch insurer?

Good news: we take care of cancelling your current contract, free of charge. If your car insurance contract is a year old or more, we just need a few details (including your contract number) to cancel it on your behalf. If your contract has not yet reached its anniversary date, check the cancellation terms with your current insurer.

Which vehicles can Lovys insure?

We take two criteria into account: the vehicle's price class (from A to V) and its power or risk rating (from 20 to 50). At Lovys, we insure up to class R and rating 36: enough to cover vehicles such as a Jaguar F-Pace, an Audi Q5, a Volkswagen Tiguan or a BMW 4 Series.

Is roadside assistance included?

Yes: 50 km assistance is included in all our plans whenever a breakdown or accident occurs more than 50 km from your home. You can also add the 0 km assistance option with a replacement vehicle, so you can get help even right outside your door.

How do I make a claim and how long does it take to be reimbursed?

You can make a claim in a few clicks from your client space, with a description of the damage and the necessary supporting documents. Our team handles your claim and keeps you informed at every step; the time to reimbursement depends on the nature of the claim and on any assessment that may be required.

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Need help?

Our team is here to help.
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We reply in under 30 minutes on average, during opening hours.
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Real-time answers from a member of our team.
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Manage your contracts, make a claim, find your documents and much more.