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
Luko, the home insurance you've been waiting for
100% digital, simple, transparent
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
to get an answer via chat, 7 days a week
of valuables covered
of average savings per year
Insurance for expats in Spain
4.5/5
1607 verified client reviews
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.
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30% of your premium is dedicated to Luko's management costs: customer service, claims management, innovation, etc.
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70% is pooled with our other members’ premiums. If you ever file a claim, that pool will be used to compensate you.
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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
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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.