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 tradesperson

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 sneaky asterisks, and with claim management which is twice as fast as our competitors.

Simple

Customize your contract in a few clicks, so you only pay for what you need

Reactive

We're by your side when you need us: available 7 days a week, we'll even answer in under 2 minutes on a Sunday.

Transparent

Crystal clear guarantees with no sneaky asterisks, and with claim management which is twice as fast as our competitors.

Simple

Customize your contract in a few clicks, so you only pay for what you need

Reactive

We're by your side when you need us: available 7 days a week, we'll even answer in under 2 minutes on a Sunday.

You can count on us

2 min

to get an answer via chat, 7 days a week

45M€

of valuables covered

25%

of average saving per year

2x

Refunded twice as fast thanks to our network

4.5/5

1607 verified client reviews

Direct Assurance
AXA
Macif
Groupama

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's not used to our profits, that's just not how we like to work.

  • 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's not used to our profits, that's just not how we like to work.

What they say about us

Want to know more about Luko? Have a read of media articles which talk about us

Historical experts and professionals by our side

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

The ACPR, in charge of checking the expertise of every insurance company in France, has given Luko the thumbs up.

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