Luko, the home insurance you've been waiting for

100% digital, simple, transparent

2x faster

to get refunded

2 days

to get a tradesperson

2 minutes

to get insured

You're in good hands

Transparent

Crystal clear guarantees with no sneaky asterisks, and with claim management which is twice as fast as our competitors.

Simple

Customize your contract in a few clicks, so you only pay for what you need

New insurance concept

Young and modern, we want to transform the insurance sector.

Transparent

Crystal clear guarantees with no sneaky asterisks, and with claim management which is twice as fast as our competitors.

Simple

Customize your contract in a few clicks, so you only pay for what you need

New insurance concept

Young and modern, we want to transform the insurance sector.

You can count on us

2 min

to get an answer via chat, 7 days a week

45M€

of valuables covered

25%

of average savings per year

#1

Insurance for expats in Spain

4.1/5

2409 verified client reviews

Línea Directa
MAPFRE
Verti
AXA

Want to know where your money goes?

The traditional insurance model is based on a conflict of interests.
The less they compensate your claim, the more money they make.
We really don't agree with that way of being, so we created a more transparent model.

  • 30% of your premium is dedicated to Luko's management costs: customer service, claims management, innovation, etc.

  • 70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you.

  • If there’s money left at the end of the year,
    it’s donated to the charity of your choice. It's not used to our profits, that's just not how we like to work.

  • 30% of your premium is dedicated to Luko's management costs: customer service, claims management, innovation, etc.

  • 70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you.

  • If there’s money left at the end of the year,
    it’s donated to the charity of your choice. It's not used to our profits, that's just not how we like to work.

What they say about us

Want to know more about Luko? Discover all media articles talking about us

Historical experts and professionals by our side

Luko, like Veja or Naturalia, is committed towards social and environmental issues, and aims to have a positive impact on society.

Wakam, insurer created on 1829, it's our insurance partner.

Luko is reinsured by Munich Re being on of the biggest reinsurers in the world, which works with all great insurance brands.