Luko donates 126 688€ to 6 European associations
It's time for the accounts! Once again this year, our business model allows us to transfer the funds not used to reimburse claims to the associations chosen by our policyholders. The guarantee of transparency, while having a positive impact on society and environment
Contributing to the collective effort
"As insurers, we are the first witnesses to the consequences of climate change on homes and individuals: now, more than ever, it is necessary to make homes safer and greener, but also accessible to as many people as possible. This is Luko's mission."
Raphaël Vullierme, CEO and co-founder of Luko
Supporting causes we deeply care about
40 656€ to support digital inclusion
Because digital technology is essential for the social inclusion of disadvantaged people, Luko supports the projects of ReDi School in Germany, Simplon in France and Factoria F5 in Spain.
The funds will finance in 2022:
- A 4-month training course in a digital profession for 13 students.
- The #Hackeuses program to train 22 women in cyber security professions.
- A 6-month scholarship for two students to attend a full-stack development bootcamp.
43 016€ to support the fight against climate change
Luko supports Terre et Humanisme, which raises public awareness of agro-ecology and passes on the know-how of responsible agriculture.
The funds will support in 2022:
- The “Tous VolonTerres” project will train 15 groups, with up to 8 participants (over 100 people), on the climate crisis and teach them how to fight against it.
43 016€ to support solidarity housing
In order to offer everyone a decent home with a better carbon footprint and to fight against extreme exclusion, Luko is committed to Emmaus Défi - BSE and Habitat & Humanisme.
The funds will support:
- The energy renovation of an eco-housing building in Toulouse (104m2 of solar panels and two heat pumps).
- creation of a fund to enable 150 households to equip their homes, giving them access to more than 400 household appliances.
Impact as a driver: discover our 2021-2022 impact report
Want to know what we're doing as a company to help build a safer, fairer society? All of our initiatives, results and goals for the future can be found in our first ever impact report.
2,363 tons of CO2
emitted over the past year
0.31% pay gap
between men and women
35% of employees
doing volunteering work
Where do these funds come from?
Traditional insurance is built on a conflict of interest: the less you get paid back, the more money the insurer makes. So we decided to put an end to that by adopting a transparent and virtuous model: Giveback.
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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 member’s 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 doesn't increase 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 member’s 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.
See you in a year to discover the new projects realized thanks to your support.