# Luko

> Digital home insurance, powered by Allianz Direct

## At a glance

| Field | Value |
| --- | --- |
| Type | Carrier |
| Region | EMEA |
| Headquarters | Saint-Ouen-sur-Seine, France |
| Founded | 2016 |
| Employees | 51-200 |

## Overview

Luko is a direct-to-consumer digital home insurance carrier based in France, offering personal lines coverage including tenant, homeowner, non-occupant owner, student, and building insurance. The company operates under the Allianz Direct brand following its acquisition by Allianz Direct -- the digital insurance arm of Allianz Group -- in January 2024. Products are available online, with coverage starting in under two minutes and a self-service mobile application for policy management and claims.

On the technology side, Luko employs video-assisted claims processing, satellite imagery for property risk assessment, and fraud detection via an API integration with Finovox. Pricing is enhanced through an integration with Akur8, a machine-learning-based pricing platform. The company operates native iOS and Android mobile applications for policyholders.

Luko was acquired by Allianz Direct for EUR 4.3M through a bankruptcy court auction in January 2024 following judicial receivership in mid-2023. As of March 2026, Luko by Allianz Direct secured EUR 60M in new funding to accelerate technology development and market expansion, with a profitability target set for 2027.

## Links

- Website: <https://www.fr.luko.eu/>
- Directory profile: <https://insurtechlist.com/companies/luko/>
- Ios app: <https://apps.apple.com/us/app/luko-n-1-neo-insurance/id1436300089>
- Linkedin: <https://www.linkedin.com/company/luko/>
- Android app: <https://play.google.com/store/apps/details?id=com.getluko.cover.app>

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*Last updated: 2026\-06\-22*