Luko - N°1 Neo-insurance

Luko

About this app

Why make things complicated when you can make them simple?
We help you take care of what matters to you, with hassle free, transparent and fair insurance services. Insurance, prevention, contract & claim management, the Luko app is there for all these needs, anytime, right from your pocket ↓


Choose efficient insurance, on your own terms, no strings attached:

- Access the details of what’s included or not, at a glance
- Get covered in 2 minutes online
- Chat with our best-in-class customer service, every day of the week
- Download or share your proof of insurance
- Add beneficiaries or options in a click
- Terminate your contract without notice

Hassle free claim management, with a dedicated expert

- File your claim directly in the application, in 5 minutes
- Add easily documents, photos and videos
- Access to your claim status and updates 24/7
- Get a dedicated expert to follow your claim from A to Z

Cover everything that matters to you, at the best price

- Mortgage insurance: cover your mortgage and save up to 15 000€ by switching to Luko
- Home insurance: protect your home & everything in it, save up to 20%
- Landlord insurance: insure your asset
- E-scooter insurance: cover your civil liability from 3,50€

and many more to come!

Benefit from integrated home services to care for every of your home needs :

- A network of trustworthy repairmen for your repair & overhaul needs
- Video calls to get advice from our home experts
- Tutorials and tips to handle your daily maintenance work
- Weather alerts in case of upcoming risky weather events

Ratings and reviews

Subscription was easy and cheap online from my computer. I would like at least the option of a desktop app for making a claim, not be forced to download a mobile app. But when I did use the app, it was easy enough. The app questionnaire didn't always have correct features: eg: multiple choice was better than either-or for damage to my property vs owner property. Whenever the asks me for new documents, it only gives me two options: Continue (obey robot immediately) or Cancel. Feels coercive.

The subscription process was beautiful. I could access chat support on a Sunday, and in English, - which is an HUGE deal in a country like France. The terms were super simplified and easy to understand. Seamless process, and an actually helpful support executive. And they have an app, for chat support directly when in distress! I'm floored! Taking away one star for the app, which seems much lower quality than the website.

Everything looks good with Luko until you have an insurance event. I case of the event, they will try to find all the reasons to avoid paying for anything. I've been with them for 2.5 years (apartment insurance) and I am leaving for another more reliable insurance provider now

What’s new

Improved flow and minor fixes.