Luko, the #1 home
insurtech in France
Get the best coverage for your home: simple, transparent, at the right price.
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.
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
to get an answer via chat, 7 days a week
of valuables covered
of average saving per year
Refunded twice as fast thanks to our network
4.5/5
1607 verified client reviews
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.
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30% of your premium is dedicated to Luko's management costs: customer service, claims management, innovation, etc.
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70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you.
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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.