Store Studio Campus Bootcamp

Services

AI Audit & Mapping Training Governance AI Integration For law firms For legal departments All services

Campus

Bootcamp Legal prompts Vibe Coding guides Webinars & Events Discover the Campus

Resources

Legaltech & AI Glossary Legaltech guide Legaltech Directory Blog Studies & Analysis

Zevra

The team Manifesto Contact

Change language

FrançaisEnglishEspañol
I have a tech project!
L

Luko

Online insurance brand operated by Allianz Direct (Allianz Direct Versicherungs-AG)

Founded in
2016
Headquarters
Eurosquare 2, 7 rue Dora Maar, 93400 Saint-Ouen-sur-Seine, France
Visit the website Request an update

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

Similar alternatives

A
Insurtech

Acheel

Next-generation insurance company

A next-generation insurance company, licensed by the French regulator ACPR in April 2021, that fully digitizes policy underwriting and management for individuals and professionals. Co-founded by Ralph Ruimy and Simon Fischer, Acheel bets on a 100% online, paperless journey with complete transparency on coverage and pricing. The platform lets you take out a policy in under two minutes and instantly receive your digital certificate. The company stands out for its social commitment, illustrated by the B Corp certification it earned in 2024, and for its tightly managed costs thanks to a digital-first model that removes traditional intermediaries. Acheel was named to the French Tech 120 cohort in 2025 and was voted Insurtech of the Year 2024 as well as Fintech of the Year 2023. It is the first insurance company licensed by France's ACPR in 35 years able to offer health, home and pet coverage simultaneously. Nearly 800,000 policyholders, $38.3M raised in total from Xavier Niel (NJJ Capital), Serena Capital and Portag3 Ventures, insurance company license granted by the ACPR in April 2021, B Corp certified in 2024, selected for French Tech 120 in 2025, profitability target reached as early as 2022

2020
France
Policy finalized in under 2 minutes with built-in electronic signature
Fully digital, zero-paper journey, from quote to claim
Modular coverage tailored to each policyholder's budget and specific needs
Voir la fiche
A
Droit Social Rh Insurtech

Alan

Health platform combining insurance coverage and preventive support to empower everyone to...

Health platform combining insurance coverage and preventive support to empower everyone to take action on their physical and mental health. Founded in February 2016 by Jean-Charles Samuelian-Werve and Charles Gorintin, Alan offers a fully digital health insurance plan with a reimagined user experience, integrating personalized prevention tools, daily tracking through its mobile app and simplified access to care. The company stands out for its tech-first approach that removes traditional intermediaries — no broker, no agent — to deliver greater transparency, responsiveness and clarity in reimbursements. Alan operates in France, Spain and Belgium, and now covers more than one million members across 37,000 companies and public institutions, including a flagship contract with the French Ministry of Finance for its 130,000 employees. The company is targeting one billion euros in ARR by 2026 and became profitable in France in 2025. More than one million members across 37,000 companies, 785M EUR in ARR in 2025 (+53%), a goal of one billion euros in ARR by 2026, around 600 employees, present in France, Spain and Belgium, profitable in France since 2025, public-sector contract covering 130,000 civil servants

2016
Paris, France (117 Quai de Valmy, 75010)
Reimbursements processed in 24 hours with no paperwork to submit
Intuitive mobile app to track reimbursements and manage your plan
Built-in prevention program covering nutrition, sleep, stress and physical activity
Voir la fiche
C
Assurance Immobilier

Cautioneo

Online rental guarantee service founded in 2018 in Lille by Julien Chenet and David Edery

Online rental guarantee service founded in 2018 in Lille by Julien Chenet and David Edery, incubated at Euratechnologies. Cautioneo acts as an institutional guarantor for tenants who lack a personal guarantor or who find themselves in so-called atypical situations (relocation, new job, fixed-term contract, self-employed), making it easier for them to access housing. At the same time, the platform secures the landlord's income by covering unpaid rent with no waiting period or deductible, along with property damage and any legal costs. Cautioneo has also developed Lokeo, a property listings platform reserved for tenants eligible for its guarantee, and benefits from a partnership with the Fondation d'Aguesseau to subsidize the premium for staff of the French Ministry of Justice. Raised EUR 350,000 in seed funding from Founders Future and Kima Ventures in 2018. Over 1,500 verified reviews with a rating of 4.6/5. Coverage of up to EUR 96,000 in unpaid rent per lease. Incubated at Euratechnologies in Lille.

2018
Lille, France
Guarantee application processed and approved within 24 hours
Fully online subscription with no physical paperwork
No waiting period or deductible in the event of unpaid rent
Voir la fiche