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For the third year in a row, the neo-insurance company Luko is donating the excess contributions of its 400,000 policyholders to partner associations. This year, €126,688 was donated as part of the Giveback, a new, more virtuous and transparent remuneration model that breaks the conflict of interest in insurance by donating the remaining part of the premiums to partner associations after all the claims from the previous year have been reimbursed. The funds help to support causes chosen by the policyholders, by financing solidarity housing projects, inclusive training in technology, as well as the fight against climate change through initiations to agroecology.

Yes, the news in the insurtech market, and tech in general, is gloomy: in the press, announcements of 6-zero fundraisings are replaced by layoffs and plummeting valuations. No company escapes this - including Luko. This new era that calls for sobriety will not be kind to insurtech, and some will not recover. But what if this market turnaround is also an opportunity? Let's take a look back at 2022, full of twists and turns, but still full of promises. 

With 2.5 million users in France, the electric scooter has become a must-have. While 34% of Luko policyholders plan to purchase an electric scooter in the next few months, few users are aware of the obligation of scooter insurance: only 20 to 30%* of them would be covered in case of accident.

Home insurance is mandatory to protect your home from water damage, theft or fire. theft or fire. More than 43 million French people are policyholders for themselves and their home.