Insurance that has no secrets for you

Discover the no-brainer insurance for your home: clear and flexible contracts, twice as fast refunds, and a 100% digital and transparent model. Stop wasting time and money, get covered in 2 minutes.

You're in good hands

2min on the clock

Clear and flexible contracts, 100% customizable online, get insured in a few clicks

365 days a year

Always by your side: teams answer you every day (even on Sunday) in less than 100 seconds

2x faster refunds

A problem? You'll get reimbursed before you can even say "wow".

You're in good hands

Our commitments

To achieve our ambitions of providing useful and fair insurance to everyone, here are our commitments to you.

Luko respects high social and environmental standards and is committed to progress.

  • A fair price

  • A transparent model

  • 5-star service

Luko respects high social and environmental standards and is committed to progress.

Want to know where your money goes?

The traditional insurance model is built on a conflict of interests. The less they compensate your claim, the more money they make. We don't agree with that way of doing things, and prefer a far more transparent model.

  • 30% of your premium is dedicated to Luko's management costs.

    Customer service, claims management, innovation, etc.

  • 70% is pooled with our other members’ premiums.
    
If you ever file a claim, that pool will be used to compensate you.

  • If there’s money left at the end of the year, it’s donated to the charity of your choice.
    It doesn't increase our profits. That's just not how we like to work.

We're here for you

Our advisors are available on our tchat or email from 8am to 9pm on weekdays and from 9am to 8pm on weekends, to answer every question you could have. And they answer in less than 2 minutes

Already insured? Luko takes care of everything.

Sign up to Luko and our team will do the rest. We guarantee a seamless transition from your former contract to your new Luko contract, without double coverage or risk of interruption.

1

Insure your home in less than 2 minutes

on luko.eu

2

Share your contract information
from your former insurance

3

We cancel it for free

for you

4

Your Luko contract starts

as soon as the old one ends

I get covered