The insurance of being well refunded, and quickly
We know that going through an insurance claim, so we do everything we can to make sure you can move on quickly.
Breathe, this will all be in the past very soon.
Managing a claim has never been easier
Follow the progress of your case in real time from the application. Contact your dedicated manager as soon as you have a question.
A disaster? No need to panic. We've got you covered.
We put the best of human expertise and digital tools at your service.
Select an example of a claim
- General case
- Water damage
- Burglary
- Glass breakage
Claim report
Describe what happened via the application: this is how you report a claim.
Damage report
Film the damage to help our experts assess the amount of damage.
Adding invoices
If necessary, include photos and invoices of the damaged goods with your report.
Refund
You will receive your compensation on average twice as fast as with a traditional insurer, by bank transfer or instant Lydia transfer.
Download the app to file and manage your claim at your fingertips
Someone you can talk to, just for you
You have better things to do than explain your entire file to each person you deal with. At Luko, your file is followed by a single manager throughout the process. Got a question? You can contact your claim manager directly at any time via the application.
In spite of my mixed feelings following the first email exchanges during a claim, it turned out that the team was able to be reactive and efficient in managing my water damage. I was able to be compensated for a large part of the damage before the work began, which allowed me to manage everything without stress. I would recommend them without hesitating.
Nicolas D.
I am very satisfied with Luko. The staff is very responsive and human. We had a fire in our building yesterday and everything has been done to ensure that our problems are taken into consideration.
Rémy D.
I had a burglary less than two months after I joined, on the evening of New Year' s Eve. I reached the service almost immediately, I was quite surprised. They offered me a guard for the night as my door was broken. The next day at 3pm they sent me a locksmith who installed a temporary lock so that the door could at least close and they scheduled an expert appointment for me very quickly.
Christiana S.
In spite of my mixed feelings following the first email exchanges during a claim, it turned out that the team was able to be reactive and efficient in managing my water damage. I was able to be compensated for a large part of the damage before the work began, which allowed me to manage everything without stress. I would recommend them without hesitating.
Nicolas D.
I am very satisfied with Luko. The staff is very responsive and human. We had a fire in our building yesterday and everything has been done to ensure that our problems are taken into consideration.
Rémy D.
I had a burglary less than two months after I joined, on the evening of New Year' s Eve. I reached the service almost immediately, I was quite surprised. They offered me a guard for the night as my door was broken. The next day at 3pm they sent me a locksmith who installed a temporary lock so that the door could at least close and they scheduled an expert appointment for me very quickly.
Christiana S.
In spite of my mixed feelings following the first email exchanges during a claim, it turned out that the team was able to be reactive and efficient in managing my water damage. I was able to be compensated for a large part of the damage before the work began, which allowed me to manage everything without stress. I would recommend them without hesitating.
Nicolas D.
I am very satisfied with Luko. The staff is very responsive and human. We had a fire in our building yesterday and everything has been done to ensure that our problems are taken into consideration.
Rémy D.
I had a burglary less than two months after I joined, on the evening of New Year' s Eve. I reached the service almost immediately, I was quite surprised. They offered me a guard for the night as my door was broken. The next day at 3pm they sent me a locksmith who installed a temporary lock so that the door could at least close and they scheduled an expert appointment for me very quickly.
Christiana S.
In spite of my mixed feelings following the first email exchanges during a claim, it turned out that the team was able to be reactive and efficient in managing my water damage. I was able to be compensated for a large part of the damage before the work began, which allowed me to manage everything without stress. I would recommend them without hesitating.
Nicolas D.
I am very satisfied with Luko. The staff is very responsive and human. We had a fire in our building yesterday and everything has been done to ensure that our problems are taken into consideration.
Rémy D.
I had a burglary less than two months after I joined, on the evening of New Year' s Eve. I reached the service almost immediately, I was quite surprised. They offered me a guard for the night as my door was broken. The next day at 3pm they sent me a locksmith who installed a temporary lock so that the door could at least close and they scheduled an expert appointment for me very quickly.
Christiana S.
In spite of my mixed feelings following the first email exchanges during a claim, it turned out that the team was able to be reactive and efficient in managing my water damage. I was able to be compensated for a large part of the damage before the work began, which allowed me to manage everything without stress. I would recommend them without hesitating.
Nicolas D.
I am very satisfied with Luko. The staff is very responsive and human. We had a fire in our building yesterday and everything has been done to ensure that our problems are taken into consideration.
Rémy D.
I had a burglary less than two months after I joined, on the evening of New Year' s Eve. I reached the service almost immediately, I was quite surprised. They offered me a guard for the night as my door was broken. The next day at 3pm they sent me a locksmith who installed a temporary lock so that the door could at least close and they scheduled an expert appointment for me very quickly.
Christiana S.
We honestly have no interest in not paying you back
Traditional insurers
Except for mutual insurers, many traditional insurers do not distinguish between management expenses and provisions for claims. Compensating policyholders is not in their best interest because it cuts into their profits.
Premiums
Refunds and potential profits
Luko
At Luko, we don't make profits from your contributions: our management costs are fixed part of our finances and the remainder is placed in a common pot used to reimburse the claims of our policyholders. No conflict of interest, the money not used is given back to charities.
This is the Giveback, your guarantee to being correctly reimbursed.
Premiums
Reimbursement of claims and givebacks to partner organizations in case of surplus
Management fees
Looking for simple and effective insurance? You've found it.