Overview

Online insurance brand operated by Allianz Direct (Allianz Direct Versicherungs-AG), offering modular home insurance policies with fast sign-up and fully digital management. Founded in 2016 by Raphael Vullierme and Benoit Bourdel, Luko raised 72 million euros in total before being acquired by Allianz Direct in January 2024, following a ruling by the Bobigny commercial court, for 4.3 million euros, taking over the assets of Luko and its parent company Demain ES. Luko by Allianz Direct ranks as the leading home insurance neo-insurer in France with 400,000 customers. Its positioning rests on transparency of coverage and premiums that are on average 25% lower than those of the traditional market. The platform lets you sign up in just a few clicks, file a claim in five minutes through your customer account, and offers 24/7 phone support. Luko covers home insurance, non-occupant landlord insurance, travel insurance, and student insurance. Joining the Allianz Direct group gives Luko the financial strength of a world-class insurer while preserving the agility of a 100% digital neo-insurer. 72M EUR raised in total (2M EUR in 2018, 20M EUR in 2019, 50M EUR in 2020 with EQT Ventures), 400,000 customers, founded by Raphael Vullierme and Benoit Bourdel, acquired by Allianz Direct in January 2024 for 4.3M EUR

Backed by Allianz Direct for financial strength and quality of carrier since January 2024

Key features

Sign-up completed in just a few clicks directly online
Claims filed in five minutes through the digital customer account
Phone support available 24/7
Modular policies with deductibles adjustable to the policyholder's profile
End-to-end paperless management from your online account
Digital certificates issued instantly after sign-up
400,000 customers, the leading home insurance neo-insurer in France

Pricing

See website 5.41 EUR Explore the offer

Who is it for?

Tenants looking for affordable, digital home insuranceOwner-occupants and non-occupant landlords (investors)Students needing proof of home insuranceTravelers seeking multi-risk coverageFamilies needing student insurance

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