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Luko: Home insurance, opinion and promo code

Luko, the young French company in the Assurtech arrival in the French and European markets in 2016, is revolutionizing home insurance. Goodbye the paperwork, Luko is plugged in digital and promises a subscription in 2 minutes and a refund 2 times faster. Focus on Luko, the French insurance that rises.

• �� Home insurance
• �� Mall loan insurance
• �� Co -ownership and building
• �� Scooter insurance
• �� Unpaid rent insurance

• From € 3.50 / month For multi -risk home insurance (MRH)
• From € 4.90 / month For PNO insurance
• From € 3.56 / month For an electric scooter insurance and nvei

�� Luko assurance: who are they ?

Founded in 2016 by Raphaël Vullierme and Benoit Bourdel, Luko insurance aims to establish a simpler and more transparent home insurance model for the user. In practice, 30% of the insurance premium is taken to depreciate the start-up management fees. The remaining 70% is placed in a kitty intended to compensate the insured in the event of a claim. At the end of the exercise, if there is money unused in the common pot, Luko reveals it to an association chosen by the insured At the time of subscription. The creed of theLuko insurance ?

2 minutes to make sure, 2 hours to be reimbursed, 2 days to repair.

Also, in addition to his online home insurance, Luko offers 4 other types of insurance For optimal protection:

1. A mortgage loan insurance ;
2. A Unpaid rent insurance ;
3. A Co -ownership and building insurance ;
4. A Electric and NVEI electric scooter insurance.

What about Luko car insurance ? Luko does not yet offer auto insurance Because the insurer first wanted to concentrate exclusively on the housing market. However, Luko is currently thinking of developing his own car insurance in the near future.

�� Luko Opinion: Should we subscribe ?

Before subscribing to a new insurer, it is relevant to Consult customer reviews. Should we trust this startup ? Answer with Luko insurer’s customer review.

What is Luko’s customer opinion ?

With a note from 4.0 / 5 of 4,121 Trustpilot reviews , Luko obtains a very good result. Customers are generally satisfied with the Fluidity of the subscription route and some Customer service speed .

The subscription is simple, clear and fast. We can quickly request an advisor if necessary and the app is really very reactive and intuitive, I recommend.

Reviews published on Trustpilot on 05/23/2023

Having quickly needed insurance for my electric scroll (after a control by the police – Insurance lack of 400 € !), I therefore looked for cheap insurance, and Luko allowed me to do it in 5 min for barely 4 €/month. I recommend it, it’s very fast and customer service feedback is also fast !

Reviews published on Trustpilot on 12/05/2023

Regarding the complaints issued, Luko insured persons sometimes have reservations on the claims management quality . Some negative opinions, such as the following, remain to be qualified. Indeed, in this particular case, Luko responded to the insured by explaining to him that in view of the situation, it was up to his tenant’s assurance to take charge of repairs:

Following the vandalism of my apartment door for attempted burglary, I opened a disaster. Luko took 8 weeks to consult my declaration. The study was sloppy with refusal to compensate and a legal justification next to the plate. Very bad customer experience as soon as a disaster arrives. Otherwise the subscription is quite simple.

Notice published on Trustpilot on 12/13/2022

What is the opinion of our experts ?

With this new business model, Luko was able to dust off the insurance sector. Thanks to competitive prices, quality formulas and responsive customer service, we have not finished hearing about Luko.

�� Luko Home insurance: at what price ?

L’Luko home insurance can protect your apartment, your house and the condominium of your building. If you wish to provide accommodation in which you do not live, you can subscribe to Luko’s non -occupying owner insurance.

Luko offers two levels of protection to his policyholders through two formulas.

1. “Legal minimum” formula
   It includes all compulsory guarantees according to French law for your apartment or house: district of waters, fire, disasters and storms, civil liability & criminal defense.
2. “Extended cover” formula
   It includes not only “legal” guarantees, but also optional guarantees to best protect your accommodation: flight & vandalism, ice breaks, locksmith breakdown.

Luko Insurance generally posted more competitive prices than traditional insurance. If you want to apply your situation, do not hesitate to make a Online quote on the Luko website directly.

€ 5.04 / month

€ 6.12 / month

€ 7.97 / month

€ 10.62 / month

Quote made on 05/26/2023, on the insurer website, price including tax.

�� Scooter, Gryropod, Gyroroue: What Luko offers ?

Although theLuko car insurance not yet relevant, Luko offers two insurance formulas for Nvei (new individual electric vehicles) online. The first only covers the “legal minimum” while the second, the “extensive coverage” formula, presents many more guarantees. Prices start from € 3.56 including tax per month.

Here are the guarantees present in Different Nvei insurance formulas from Luko.

• “Legal minimum” formula : Civil liability, criminal defense and appeal.
• “Extended cover” formula : Civil liability, criminal defense and appeal, personal accident protection, damage with collision, flight with aggression, storms and natural disasters, technological disasters and terrorism.

€ 3.56 / month

€ 10.03 / month

€ 3.56 / month

€ 11.11 / month

€ 3.56 / month

€ 12.20 / month

€ 3.56 / month

€ 9.31 / month

€ 3.56 / month

€ 14.36 / month

Quote made on 05/26/2023, on the insurer website, price including tax.

As a reminder, the electric scooter insurance is compulsory, as well as the insurance for a hoverboard, a monoroue (gyroroue), a sock, etc.

�� What Loko borrower insurance includes ?

Borrower insurance is one of the latest products released by Luko. The neo insurance wishes to remain in line with its other formulas and provide a quick and efficient service. Thus, when subscribing to a mortgage, theLuko borrower insurance claims to be:

1. twice cheaper that your current insurance;
2. fast and simple : the offer will remain 100% online and will allow you to overcome administrative procedures;
3. complete : Insurance with essential and superfluous guarantees.

After questioning his insured on their needs in terms of borrower insurance, Luko presented an offer including the following guarantees:

• Total and irreversible loss of autonomy (PTIA);
• Total temporary incapacity (ITT);
• Partial permanent disability (PPI);
• Total permanent disability (IPT)
• Death (DC).

For example, for a depreciable loan of € 500,000 with a rate of 3.2%, Luko offers borrower insurance at € 29.57/month (without the IPP warranty), either € 354.84/year, or at € 32.12/month (IPP warranty included), either € 385.48/year.

You are looking for borrower insurance ? Get the best market price for free with Selectra !

�� Luko promo code: how to get them ?

You plan to subscribe a Insurance contract at Luko ? Know that you can benefit from promotional offers ! Of the Luko promotional codes are set up for both Luko insured and for future insured. Here are the steps to take to Take advantage of a luko promo code.

• 2 months offered

• 30 € offered
• Condition : Do not terminate within 12 months
• No self-sponsorship For Nvei insurance contracts

• 30 € offered For each sponsored godchild
• 4 sponsorships per year and per contract

• 30 € offered

What’s more, By subscribing to a Luko insurance contract with Selectra, you benefit from 2 months offered on your first year ! Or a reduction in 17% On your new insurance contract. So as much to subscribe with Selectra, no ?

2 months offered on your Luko insurance contract, you tempt you ? Subscribe with Selectra !

☎️ Luko contact: how to join the insurer ?

You can Contact Luko Insurance ::

• By cat, from your online customer area
• By email to [Email Protected] or [Email Protected] (for complaints)

Concerning Luko phone number, the insurer can be reached at +33 1 76 35 01 52 For any complaint.

Luko is 100% online insurance and does not have an agency by definition, but if you wish to contact the insurer by mail, the Luko headquarters is based at the following address:

Luko Insurance
91 rue du Faubourg Saint-Honoré
75008 Paris

�� Frequent questions about Luko insurance

ℹ️ Who is the insurer behind Luko ?

Luko is his own risk carrier. It is based in particular on the following reinsurers:

• Munich re, global reinsurer, for his home insurance;
• the reinsurer Swiss re for whole building insurance;
• the reinsurer Sada For his unpaid rent insurance.

Reinsurers are somehow the insurers of insurers. They guarantee the financial stability insurance products from their customers and partners.

❌ How to terminate at Luko ?

For terminate your Luko insurance contract, Go to the Luko application, tab Contracts. Click on the contract of your choice, then on Terminate my contract at the bottom of the page. As simple as that !

Read more about Luko

Luko home insurance: guarantees, franchise, price

What is Luko’s phone number ?

So we do it together ? 1.6 million French people have already trusted us

An insurance advisor at your service

Monday to Friday from 8 a.m. to 8 p.m., Saturday from 9 a.m. to 6 p.m.

Insurance without headache

Of the clear and flexible contracts, of the Refunding twice as fast, A model 100% digital and transparent.

You are in good hands.

2 minutes, top time

Clear and customizable contracts to ensure what matters to you in a few clicks. As a bonus the termination is 100% supported.

A question about the Luko contract ? Our teams answer you every day (even Sunday).

A problem ? Declass it to the application, photo and videos in support, we offer you a solution before you even said “phew”.

You are in good hands.

Our engagements

At Luko, we work every day in order to offer a better model and insurance service, which is really on the side of the insured.

Luko complies with high social and environmental standards and undertakes to continue to progress.

A just price

Your insurance is increasing every year and you don’t know why ? At Luko, we undertake to build a more equitable policy and offer the best quality and price report, over time.

A transparent model

Luko reinvents the economic model of insurance to offer a transparent system based on the principle of pooling and redistribution. The objective ? Finally align the interests of the insured, the insurer and the company.

A 5 -star service

Our ambition is to offer you an ultimate NEC service: available, responsive, listening. And for that, we measure our response time every week and every month and the satisfaction of our customers.

Luko complies with high social and environmental standards and undertakes to continue to progress.

You want to know where your money is going ?

Traditional insurance is built on a conflict of interest : the less you are reimbursed, the more the insurer earns money. So we decided to end it, by adopting a transparent and virtuous model: the giveback.

30% of your subscription is dedicated to Luko management fees
Customer service, claim management, innovation, etc.

70% of your subscription is placed in the common pot for all insured.
If you have a disaster, this money is used to reimburse you.

If it remains money at the end of the year, it is donated to the association of your choice.
It does not come to increase our profits.

More than 400,000 insureds have taken the plunge. And you ?

They entrusted their home to Luko. Find out why.