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.
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.
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
to get an answer on the chat, 7d/7
of valuables covered
Refunded twice as fast thanks to our artisans network
of average saving per year
4.5/5
1607 verified client reviews
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.