Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Luko by Allianz Direct review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Luko by Allianz Direct suits people who want personal insurance bought and run from an app, with home, renters, landlord, travel and auto cover under one insurer. Premiums start at €5.26 a month and the excess starts at €300.

Key facts

Best for
Households wanting home, renters, landlord, travel and auto cover managed in one app.
Premium from
€5.26↗
Insurance types
Home, Renters, Landlord, Travel, Auto↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
€300↗
Cover limit
Medical expenses abroad up to EUR 300,000↗
Claims channels
Online account, Phone, Chat↗
Legal entity
Allianz Direct Versicherungs-AG↗
Headquarters
Germany↗
Founded
2016↗
Support channels
Chat, Phone, Help-centre↗
Pricing model
Monthly
Official website
luko.eu

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • One insurer covers home, renters and landlord, so several policies sit in one place
  • Entry pricing of €5.26 a month and an excess from €300
  • Monthly payments are available, spreading the cost of cover
  • Claims can be started through online account, phone and chat

Cons

  • Support runs on chat, phone and help centre only, with no branch or in person option
  • The listed cover is limited to home, renters and landlord, so there is no life, health or pet cover
  • Excess starts at €300, which some households will pay on every claim
Luko by Allianz Direct

Ready to try Luko by Allianz Direct?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • People who insure a home, a rental flat and a car with one provider
  • Renters and landlords who want contents and building cover in one place
  • Travellers who want medical cover abroad of Medical expenses abroad up to EUR 300,000

Who should look elsewhere

  • Anyone wanting life, health or pet cover, which the listed home, renters and landlord do not include
  • Shoppers who want to deal with a broker or an adviser rather than an insurer, since this is an insurer
  • People who prefer in person branch service, as support runs on chat, phone and help centre only

Who runs it

Luko is the insurer behind the policies, and the legal entity is Allianz Direct Versicherungs-AG, based in Germany. It was founded in 2016 and writes cover directly rather than through a broker. Day to day help comes through chat, phone and help centre, so most questions are answered by chat, phone or the help centre rather than in person.

How Luko by Allianz Direct compares

Where Luko by Allianz Direct is available

Available
France, Monaco
Licence in France
Autorite de Controle Prudentiel et de Resolution (ACPR), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the cheapest premium at Luko?+

Premiums start at €5.26 a month. That is the entry price across the range, and the final figure depends on the type of cover, the property or vehicle and the excess chosen.

What is the minimum excess on a claim?+

The excess starts at €300, which is the part of a claim you pay yourself. A higher excess can bring the monthly premium down, so the trade-off runs between cost at claim time and cost each month.

Which kinds of insurance does Luko sell?+

The listed cover is home, renters and landlord. That gives you building and contents, contents only, landlord cover, travel cover and motor cover in one place, with no life, health or pet lines.

Can I pay the premium monthly?+

Yes, monthly payments are available, and monthly is the only pricing model in use. That spreads the cost of a policy across the year instead of a single payment.

How do I make a claim?+

Claims can be started through online account, phone and chat. Once a claim is opened, the excess of €300 is the part you pay and the rest is handled by the insurer.

What cover is included for medical bills abroad?+

Travel policies include Medical expenses abroad up to EUR 300,000. That is the ceiling on medical costs abroad rather than a promise that every bill is paid in full.

Who is behind Luko and where is it based?+

Luko is an insurer and the legal entity is Allianz Direct Versicherungs-AG, headquartered in Germany. The company was founded in 2016.

How do I reach Luko if something goes wrong?+

Support runs on chat, phone and help centre, so you can use chat, phone or the help centre. There is no branch network listed, so a conversation takes place online or by phone.

Does Luko cover a rental flat or a rented home?+

Yes, both renters and landlord cover sit inside home, renters and landlord. Tenants can take contents only while landlords cover the building as well as the contents.

Sources

  • luko.eu checked September 26, 2026

    Backs: Claims channels, Excess from, Monthly payments, Premium from, Support channels

  • luko.eu/allianz-direct checked September 26, 2026

    Backs: Provider type, Founded, Headquarters, Insurance types

  • luko.eu/assurance-voyage checked September 26, 2026

    Backs: Cover limit, Pricing model

    “Assurance Annuelle multi-voyages: Paiement mensuel”

  • luko.eu/mentions-legales checked September 26, 2026

    Backs: Legal entity

  • acpr.banque-france.fr checked September 26, 2026

    Backs: Licences

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Luko by Allianz Direct

Luko by Allianz Direct

Households wanting home, renters, landlord, travel and auto cover managed in one app.

8.9/10See alternatives