Coya 💙 Luko - Coya becomes part of Luko Group to offer you an outstanding customer experience and hassle-free insurance. Learn more →

Luko, the #1 home
insurtech in Europe

Because we all love our home, we should get the insurance it deserves: Luko is a full and customizable coverage, with all the tools to better take care of homes.

Excellent
1607 reviews on

2 minutes

to get insured

2x faster

to get a refund

2 minutes

to fill a claim in the app

Luko, the #1 home
insurtech in Europe

Because we all love our home, we should get the insurance it deserves: Luko is a full and customizable coverage, with all the tools to better take care of homes.

Excellent
1607 reviews on

You're in good hands

Transparent

Crystal clear guarantees with no asterisks, claim management twice faster than usual.

Simple

Customizable contracts, in a few clicks, to pay only for what you need.

Reactive

Always by your side when you need it: available 7d/7 (even on Sunday), answers in 2 minutes.

Transparent

Crystal clear guarantees with no asterisks, claim management twice faster than usual.

Simple

Customizable contracts, in a few clicks, to pay only for what you need.

Reactive

Always by your side when you need it: available 7d/7 (even on Sunday), answers in 2 minutes.

You can count on us

2 min

to get an answer on the chat, 7d/7

45M€

of valuables covered

2x

Refunded twice as fast thanks to our artisans network

25%

of average saving per year

4.5/5

1607 verified client reviews

Direct Assurance
AXA
Macif
Groupama

You want to know where your money goes?

The traditional insurance model is built on conflict of interest.
The less they compensate your claim, the more they make money.
We don’t like that very much so we preferred a more transparent model.

  • 30% of your contribution
    is dedicated to Luko's management costs: customer service, claims management, innovation, etc.

  • 70% is pooled
    with our other members’ 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 won’t increase our profit.

  • 30% of your contribution
    is dedicated to Luko's management costs: customer service, claims management, innovation, etc.

  • 70% is pooled
    with our other members’ 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 won’t increase our profit.

They talk about us

Want to know more about Luko? Discover all media articles talking about us.

Luko is your trustworthy partner

Luko is a certified B-Corp. This certificate measures the company's overall social, environmental and economic performance, focusing primarily on public transparency and legal accountability.

Luko’s insurer is Berlin-based Coya AG, a P&C insurance company supervised by German regulator BaFin.

Luko is reinsured by Munich Re, Swiss Re and SCOR, all being the biggest reinsurers in the world, working with all great insurance brands.