Overview

Rental guarantee and unpaid-rent insurance service now integrated into Luko (Allianz Direct) following its acquisition in March 2022. Co-founded in 2019 by Matthieu Luneau, Cedric Baulme and Charles-Andre Richard, Unkle developed an insurance product that guarantees rent payments for tenants who lack a traditional guarantor, as well as unpaid-rent insurance (GLI) for landlords. The startup experienced explosive growth (a 10x increase since 2020) and raised a total of 11 million euros: 1 million euros in seed funding in 2019, then 10 million euros in January 2022. The offering covers unpaid rent, legal fees and property damage, with compensation starting from the very first missed payment. Unkle built a network of more than 800 partner real estate agencies and counts over 20,000 clients. The acquisition by Luko made it possible to roll out Luko's contract and claims management tools across Unkle's products. Matthieu Luneau and Cedric Baulme continue to lead Unkle as a separate business unit within the Luko group. Unkle's mission is to make housing more accessible by acting as a guarantor for tenants who do not have a traditional guarantor, a major hurdle in the French rental market. 11M EUR raised, 20,000+ clients, 800+ partner agencies, 10x growth since 2020, acquired by Luko in March 2022

Integration into the Luko / Allianz Direct ecosystem, a major insurance player

Key features

Intervention from the very first missed rent payment
Online subscription in under 5 minutes for landlords
Guarantor secured within 24 hours for eligible tenants
Built-in amicable resolution procedures before litigation
Coordination with the CAF for housing assistance
Fast compensation for unpaid rent with no waiting period
Contract and claims management platform inherited from Luko
10x growth since 2020
Social mission to make housing more accessible for tenants without a traditional guarantor

Pricing

On quote 4.50 EUR Explore the offer

Who is it for?

Non-occupying landlords looking to secure their rental incomeTenants without a traditional guarantor or suretyProperty managers and real estate administratorsPartner real estate agencies (network of 800+ agencies)Buy-to-let investors seeking protection against unpaid rent

Similar alternatives

AssuranceImmobilier

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

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