We created Luko with a simple vision.

50% of consumers don’t trust their insurer, yet it is mandatory in many cases and it is the only stakeholder you can turn to when a damage occurs in your home. So, we decided to reinvent insurance to make it finally customer-centric like we believe it was meant to be.

We started by creating the most transparent and useful insurance company out there: one that you can finally trust, because its business model was designed for a positive impact and because its product experience is meant to empower users rather than mislead them.

We created the most intuitive and user-obsessed insurance experience you can wish for: one that you can take out in less than 2 minutes, one that gives you access to an advisor in less than 100 seconds, and one where you report your claim hassle-free in 5 minutes from your smartphone.

In 6 years, we have convinced over 400,000 users to trust us. We rapidly became the online home insurance market, putting technology at the service of customer satisfaction and operational efficiency: by 2022, 25% of home insurance policies sold online in France were Luko policies; and nearly one in two new Luko customers took out a policy on the recommendation of friends and family.

In February 2024, Luko joined Allianz Direct, the digital pan-European subsidiary of the Allianz Group. Driven by the mission to become "digitally unbeatable", Allianz Direct has set new standards in the digital insurance landscape across Europe with its intuitive and intelligent insurance offerings.
By joining forces, our mission remains the same: to shake up the market by offering the best value for money, provide more simplicity and transparency, and to become the market leader in direct insurance market in France!