Luko, the #1 home
insurtech in France

Get the best coverage for your home: simple, transparent, at the right price.

Excellent
1607 reviews on

2x faster

to get a refund

2 days

to get a repairman

2 minutes

to get insured

Luko, the #1 home
insurtech in France

Get the best coverage for your home: simple, transparent, at the right price.

Excellent
1607 reviews on

You're in good hands

Transparent

Crystal clear guarantees with no asterisks, claim management twice faster than usual.

Simple

Customizable contracts, in a few clicks, to pay only for what you need.

Reactive

Always by your side when you need it: available 7d/7 (even on Sunday), answers in 2 minutes.

Transparent

Crystal clear guarantees with no asterisks, claim management twice faster than usual.

Simple

Customizable contracts, in a few clicks, to pay only for what you need.

Reactive

Always by your side when you need it: available 7d/7 (even on Sunday), answers in 2 minutes.

You can count on us

2 min

to get an answer on the chat, 7d/7

30 millions €

of valuables covered

25%

of average saving per year

2x

Refunded twice as fast thanks to our artisans network

4.5/5

1607 verified client reviews

Direct Assurance
AXA
Macif
Groupama

You want to know where you money goes?

The traditional insurance model is built on conflict of interest.
The less they compensate your claim, the more they make money.
We don’t like that very much so we preferred a 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 won’t increase our profits.

  • 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 won’t increase our profits.

We talk about us

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Our partners helping us covering what matters to you

Luko, like Veja or Naturalia, is committed towards social and environmental issues, aiming to have a positive impact on society.

Luko has been approved by the ACPR which is in charge of checking the expertise of every insurance company in France.

Luko is reinsured by Munich Re and Swiss Re, both being the biggest reinsurers in the world, working with all great insurance brands.