Proud not to line our pockets

Your insurance premium goes up every year and you don't know why? At Luko, we are committed to building a fairer and more transparent model.

Commitment 1

A transparent model, defending the user

Build a clear and fair business model to align everyone's interests

Commitment 2

Better coverage, at the right price

Offer the right coverage and services, without necessarily increasing premiums

Commitment 3

A fair and sustainable policy for all

Old and new customers will always be treated the same way

30% 70% Luko's margin Distribution and marketing Claims handling expenses Salaries and office rent Reinsurance Claim refund Claims Compensation Taxes Source: data from France assureurs, 2020 report




for Luko


for covering claims

Example of a customer who saw the price

of its former insurance increase every year

35€ 40 45 50€ 55 60 65€ 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 37€ 61€

Source: Invoices from the old contract of a recent Luko customer

Luko's monthly premium

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