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  Van or a Motorhome: What is the right choice in 2025?

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  Van or a Motorhome: What is the right choice in 2025?

  Travelling in a Motorhome or Campervan is becoming increasingly popular among holidaymakers. Offering freedom to move around wherever you like, comfort and economy, these ‘homes on wheels’ are ideal for a spontaneous weekend getaway or a long holiday spent travelling across Europe. Before you get started: do you know the difference between these two vehicles? What exactly are the regulations applicable in Luxembourg? Follow this comprehensive guide to choose the vehicle that’s right for you.

  

  Van or Motorhome: two ways to travel

  The camper van is attracting an increasing number of young couples, weekenders and road trippers. It drives like a conventional car, offering few constraints in terms of use. Its compact size (often less than 2.10 m high and 5 to 5.4 m long) means it can go anywhere and park in standard spaces. Discreet, even in city centres, it offers all the essential amenities: a bed, a small kitchen, storage space and in some cases a shower.

  Its purchase price and running costs (maintenance, fuel consumption, tolls) are generally lower than those of a motorhome.

  A true home on wheels, the motorhome meets other expectations. It offers greater autonomy, often with larger water tanks, powerful batteries and plenty of storage space. It features a fully equipped kitchen, a separate bathroom, several beds (perfect for a family) and plenty of storage space. There are several different types: semi-integrated, coachbuilt (large family models) and A-class (high comfort).

  Slightly bulkier than a van, it is more difficult to manoeuvre or park in the city and is subject to more regulatory controls. The choice depends on your style of travel (urban or countryside/mountains), the length of your stays, the number of travellers and your budget.

  What criteria should you apply when choosing your vehicle?

  Before making any decisions, you need to ask yourself the right questions:

  • How many people will be travelling? Couples or solo travellers will find it easier to choose the flexibility of a van. A family will likely opt for the space of a motorhome to take out the stress out of travelling with the kids.
  • Where will you be sleeping most of the time? Car parks, in the countryside, on campsites (here is the map of all the campervan campsites in Luxembourg): parking rules differ.
  • What level of comfort do you expect? If you want to be able to stand up, enjoy the use of a bathroom and a proper kitchen, a motorhome is more suitable.
  • Your budget: purchase price, maintenance, insurance, etc. Vans are generally more affordable than motorhomes.
  • Where will you be travelling? In the city, vans are more suitable. For long distances, the comfort of a motorhome really comes into its own.

  For weekend adventurers, a converted van is sufficient. If you are going away for a long time, with your family or with a lot of equipment, a motorhome is your best bet for comfort.

  The six Luxembourg regulations applicable in 2025

  1. Driving licence in Luxembourg

  With a B licence (light vehicle), you can drive any van or motorhome with a maximum authorised laden weight (MALW) of 3.5 tonnes. A C1 licence is required for any converted vehicle exceeding 3.5 tonnes (up to 7.5 tonnes). Unlike France, where a number of extensions are planned for 2025, Luxembourg has not yet adopted the 4.25-tonne tolerance for B licence holders.

  Foreign drivers must keep their licence valid and it must correspond to the vehicle they are driving.

  2. Parking and wild camping

  Parking a van or motorhome is legally permitted in authorised areas and on public roads, but never in ‘wild camping’ mode (tables, chairs, awnings, spending the night outside a designated area, etc.).

  Please note that some municipalities in Luxembourg, particularly the City of Luxembourg, may prohibit the parking of vans/motorhomes in certain residential areas (regulatory signs or markings on the ground). It is necessary to respect local signage. It is strictly forbidden to spend the night outside of authorised areas and campsites (penalties range from fines to impoundment!.

  3. Approval, inspection and safety

  A van or motorhome must be listed under the correct designation on the vehicle registration document (e.g. ‘VASP’ for a converted vehicle). For any conversion of a vehicle into a living space, approval must be obtained from the SNCA (Société nationale de circulation automobile) authorities.

  Technical inspections are mandatory every two years for vehicles over four years old (as with a car). Police give safety advice for motorhomes and caravans to ensure safe arrival.

  Good to know: In addition to providing advice, the police organize preventive checks to have your vehicle weighed before leaving on vacation. The goal of these free checks is to prevent the risk of accidents related to overloading the vehicle.

  4. Specific insurance: the key to peace of mind

  The vehicle must be insured, covering at least third-party liability, including all leisure equipment and fittings (kitchen, solar panels, storage). Check that your policy covers the actual value of the converted vehicle, damage to third parties and the risk of theft/damage to the interior and exterior. Remember to also insure your personal belongings (luggage, sports equipment, etc.).

  Good to know: travel with peace of mind with Foyer

  Foyer offers insurance tailored to converted vans and motorhomes, covering the vehicle, its fittings and your personal belongings. With ‘Driver Protection’ cover and 24/7 assistance, you can travel with complete peace of mind in Luxembourg and Europe.

  5. Environment and access

  Luxembourg does not enforce traffic restrictions such as low-emission zones (LEZ) or Crit’Air stickers in 2025. Older vehicles are still allowed everywhere, however, changes are expected in the not to distant future.

  6. Speed limits and driving

  Before travelling to any municipality or abroad, check the local regulations.

  • In towns: 50 km/h (watch out for 30 km/h zones).
  • Outside built-up areas: 90 km/h.
  • Motorway: 130 km/h, to be confirmed depending on tonnage.

  Three key points to remember:

  Van or motorhome: make your choice based on frequency, type of destination and number of passengers.

  In 2025, wild camping will be prohibited in Luxembourg. Parking and overnight stays are strictly reserved for authorised sites or campsites.

  An approved and well-insured vehicle avoids administrative hassles and incidents, even without an environmental sticker

  Choosing between a van and a motorhome depends on how you want to travel. A compact van for spontaneity or a spacious motorhome for family comfort, each option has its advantages depending on your needs. Careful preparation will allow you to fully enjoy your adventure on the roads of Luxembourg and Europe!

  
  

  
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  Investment solutions using ESG funds

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  Investment solutions using ESG funds: responsible savings that reflect your values

  Foyer offers investment solutions using ESG (Environment, Social, and Governance) funds so you can build a nest egg while respecting your values. Invest in funds that factor in environmental issues, social well-being, and responsible management.

  
  

  

  Foyer’s CSR commitment

  Foyer was awarded the ESR (Environmental, Social, Responsible) label in 2013, a certification issued by the National Institute for Sustainable Development and Social Responsibility (INDR). It rewards companies committed to a sustainable approach.

  Foyer also offers multi-support life insurance contracts that use ESG funds. The funds are only invested in environmentally friendly, socially responsible, and well-governed organisations.

  Supporting Team for the Planet: a collective and scientific approach

  In 2025, Foyer Vie SA is strengthening its commitment to corporate social responsibility(CSR) by becoming a shareholder of Team for the Planet via an investment made through its own funds. This initiative was led by Foyer Group employees and received full management support. However, this asset is not part of the investment solutions on offer to our clients.

  This fund brings together 130,291 citizen shareholders whose objective is to detect and deploy 100 global innovations to combat greenhouse gases. This participation showcases the Group’s desire to do more than just sell products, by becoming an active contributor in the fight against climate change.

  In 5 years and 5 months, the organisation has raised €34,498,308 and funded 13 projects. The selection process is overseen by 7,138 volunteer evaluators. Each project is studied according to 6 criteria :

  • Impact on greenhouse gases
  • Technical feasibility
  • Global replicability
  • Induced externalities
  • Disruptive character
  • Market potential

  The organisation targets 20 issues across 5 priority sectors identified by the Intergovernmental Panel on Climate Change (IPCC). Energy accounts for 34% of global emissions, industry 32%, agriculture 25%, transport 14%, and construction 6%.

  Team for the Planet acts according to 4 levers of change: zero emissions and energy efficiency, savings, and capture.

  Team for the Planet’s shares are not intended to generate a financial return. They work by issuing “climate dividends” that correspond to the equivalent CO₂ emissions avoided thanks to the projects supported.

  Our investment solutions for multiple investment profiles

  Foyer’s investment solutions offer various supports that cost from €200 per month or through a one-off payment of €10,000. They are classified under Article 8 of the SFDR Regulation 2019/2088, which means that they promote environmental and social values.

  Several allocation assets are available to meet your investment objectives:

  • The conservative profile is designed to protect capital with 75% bonds and 25% shares.
  • The balanced profile involves a 50/50 distribution of funds.
  • The growth profile is based on 75% shares and 25% bonds.
  • The aggressive investment option is 100% shares.

  These can be arbitrated depending on how your situation evolves. For thirty years, CapitalatWork Foyer Group has ensured the professional management of these funds.

  A selection of companies that meet strict criteria

  Selecting assets takes ESG criteria into account at every stage. The CapitalatWork Foyer Group applies filters to assess the eligibility of companies.

  Companies that do not comply with the United Nations Global Compact’s ten principles are excluded. These cover human rights, labour standards, the environment, and the fight against corruption.

  Harmful sectors are excluded: controversial weapons, Arctic oil exploration, tobacco production, as well as highly controversial companies. Only organisations with the strongest extra-financial performance are selected.

  The CapitalatWork Foyer Group publishes an annual report on compliance with these commitments to reassure clients that the assets selected keep their promises.

  The benefits of taking out life insurance

  Our investment products offer total flexibility: pay in and withdraw when you like, no savings withdrawal fees, tax-free capital.

  You can also choose who gets what when deciding who inherits any assets. You can choose and modify your beneficiaries free of charge. If you pass away, Foyer will pay them the sum obtained.

  Your savings will be managed by a team of experienced CapitalatWork managers. They ensure the best balance between risk and return to take advantage of financial markets’ performance.

  The three key takeaways:

  1. Foyer has investment solutions that integrate ESG funds to give added sense to your savings.
  2. There are several investment profiles designed to meet your objectives, combined with the flexibility of Luxembourg life insurance.
  3. We apply a rigorous investment methodology with sector-specific exclusion criteria and select the best companies to create a framework of trust for your projects.

  
  

  
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  How can you ensure you are well prepared for retiremement

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  How can you ensure you are well prepared for your retirement?

  What will your income be once you’ve retired? Not many people can answer this question, but it’s an important one. Retirement can be a good and long period of your life. According to statistics, the average loss in income is 25%. You may feel this decrease might restrict your choices in life, particularly at a time when you have more time and spend more. So what is the solution? In Luxembourg you can profit from the latest tax initiatives which allow you to save for the future (with growth) within tax efficient investment products. . It is never too late to think about your retirement to ensure you have greater financial control and remember, the earlier you prepare for your retirement, the more you will accumulate!

  

  Retirement age and size of your pension

  The legal pension age in Luxembourg is set at 65. To obtain the full pension, you must have contributed for 40 years, i.e. 480 months of pension insurance.

  If you have worked for 40 years, you may apply for early retirement before the age of 60.

  The minimum legal pension in Luxembourg is set at €2,244.82 gross (1st January 2024 cnap.lu). It is indexed to changes in the cost of living, and automatically increases by 2.5% when triggered by the index.

  Supplement your pension and take advantage of tax benefits

  One of the best ways of preparing for your retirement while enjoying annual tax benefits is a complementary pension within an insurance based product. This is a savings plan that bridges the gap between your current salary and your pension income.

  Your savings premiums, as well as death and disability premiums, are tax deductible.

  Discover the various retirement savings products.

  When should you claim your state pension?

  To obtain your pension in Luxembourg, you have to apply for it. You just need to fill in a simple form available on the CNAP (Caisse Nationale d’assurance pension – National Pension Insurance Fund) website.

  Needless to say, it’s best to start early to ensure that everything is in order. It takes at least three months to authorise your rights to your pension.

  Visit www.cnap.lu.

  And for cross-border workers?

  Two minimum conditions must be met to benefit from Luxembourg’s retirement scheme:

  • You must have worked for at least one full year in Luxembourg
  • You must have worked, in total, for at least ten years in European Union countries (or in other countries with a bilateral agreement with Luxembourg)

  If during the course of your career you have followed a slightly complicated path in different European countries, all is not lost. Better still, Europe has simplified everything you need to do. Just apply for your pension in your country of residence. The pension scheme concerned will then synchronise this information with the other countries’ schemes.