You're in good hands
2min on the clock
Clear and flexible contracts, 100% customizable online, get insured in a few clicks. And termination is handled by Luko.
365 days a year
A question about the guarantees or contract? Our teams answer you every day (even on Sundays).
2x faster refunds
A problem? Report it on the application and we'll offer you the right solution before you've even said "wow".
You're in good hands
To achieve our ambitions of providing useful and fair insurance to everyone, here are our commitments to you.
A fair price
Still not sure why the price of your insurance increases every year? At Luko, we're committed to building a transparent and fair model for everyone.
A transparent model
Luko reinvents insurance to propose a transparent model based on the principle of mutualization and redistribution. The objective? To finally align the interests of the users, the insurer and society.
Our ambition is to offer you the ultimate service: available, responsive, caring. And for this, we measure our response time and customer satisfaction every week and every month.
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.
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.
Insure your home in less than 2 minutes
Share your contract information
from your former insurance
We cancel it for free
Your Luko contract starts
as soon as the old one ends