Hello, Luko ?

"Please wait a few moments, we'll be with you shortly..." and then you hold forever. Sound familiar? Don't worry, it'll be a distant memory soon. Luko is 100% digital and honestly, that changes everything.

Finally, customer service worth its name

100% digital, ensuring the quality and efficiency of our services

2 minutes

To get an answer. Did we mention we are super fast?

7 days a week

Availability, at times that suit you.

No salesforce

We are here to help you, not to up-sell you optional policies

Answers and solutions at the speed of light

A question or need advice ? Let's chat


Don't bother putting the kettle on for the wait, we'll have answered you before it boils. Our contract team will answer all your questions about Luko's guarantees and services in less than 2 minutes during our opening hours:

  • From 8am to 9pm on weekdays
  • From 9am to 8pm on weekends

We always do our best to provide a solution ASAP.

An issue? Your claim manager is there for you


Declare your claim in 5 minutes on the Luko application, a dedicated manager takes over by email to offer you a suitable solution within 2 days. And if your home is uninhabitable, our assistance team can be reached by phone 24 hours a day.

Other questions? Let's work it out via email


We will answer you the same day during the week, and on Monday if you send us an email during the weekend.

Managing a claim has never been easier.

Getting help for a claim is simple.


Download the Luko app for iPhone or Android.


Describe what happened via the application: this is the same as reporting a claim.


Follow the steps indicated in the app.


And... that's it. Go back to your daily routine, we'll take over from here.

Tell me more about claim management

Looking for straightfoward, highly effective insurance? Look no further - you've found it.