Updated September 28, 2026 · SumCue Editorial Team
Luko by Allianz Direct vs Pint.ro
Luko by Allianz Direct
Higher score in this comparison
Pint.ro
Luko by Allianz Direct vs Pint.ro: the differences
| Compare | Luko by Allianz DirectReviewSee alternativesSee alternatives | Pint.roReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €5.26Lower | €10 |
| Insurance types | Home, Renters, Landlord, Travel, Auto | Auto, Home, Travel, Breakdown |
| Provider type | Insurer | Broker |
| Claims channels | Online account, Phone, ChatCovers more | Phone |
| Excess from | €300 | Not confirmed |
| Cover limit | Medical expenses abroad up to EUR 300,000 | Not confirmed |
| Age range | Not confirmed | 18+ |
Same on both: Monthly payments (Yes).
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Key differences
- Luko by Allianz Direct scores higher overall: 8.9 vs 8.8.
- Founded is lower at Pint.ro: 2006 vs 2016.
- Luko by Allianz Direct is available in 1 more country.
- Premium from is lower at Luko by Allianz Direct: €5.26 vs €10.
- Insurance types: only Luko by Allianz Direct offers Renters, Landlord.
- Insurance types: only Pint.ro offers Breakdown.
- Claims channels: only Luko by Allianz Direct offers Online account, Chat.
- Support channels: only Luko by Allianz Direct offers Chat.
- Support channels: only Pint.ro offers Email.
Our verdict on each
Luko by Allianz Direct
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.
Pint.ro
Pint.ro suits Romanian households who want one Romanian broker to place auto, home, travel and breakdown cover, with a low entry premium. It is a single market broker, so anyone needing cover elsewhere should look at a wider provider instead.
Score breakdown
| Area | Luko by Allianz Direct | Pint.ro |
|---|---|---|
| Cost | 8.8Entry premium is €5.26, the excess starts at €300, and monthly payments are available on all home, renters and landlord lines. | 9.0HigherPremium from €10 sits above the €8.54 median for home insurance on the same ranking. |
| Offer | 9.1Higher | 8.7 |
| Trust | 8.9Higher | 8.8 |
What each covers
| Insurance types | Luko by Allianz Direct | Pint.ro |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Travel | Yes | Yes |
| Breakdown | No | Yes |
| Landlord | Yes | No |
If neither fits
KS/AUXILIA has premium from at €5.04, against €5.26 for Luko by Allianz Direct and €10 for Pint.ro.
KS/AUXILIA reviewHow they place
| Ranking | Luko by Allianz Direct | Pint.ro |
|---|---|---|
| Insurance | 343 of 627 | 395 of 627 |
| Car insurance | 174 of 279 | 200 of 279 |
| Home insurance | 170 of 258 | 192 of 258 |
| Travel insurance | 183 of 278 | 207 of 278 |
Every fact side by side
| Fact | Luko by Allianz Direct | Pint.ro |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Direct Versicherungs-AG | SC Pint.ro Broker de Asigurare SRL (CUI 25251334, Registrul Comertului J40/3122/2009) |
| Headquarters | Germany | Romania |
| Founded | 2016 | 2006Lower |
| Support channels | Chat, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Luko by Allianz Direct | Pint.ro | Median |
|---|---|---|---|
| Premium from | €5.26below the median | €10above the median | €6.02 |
| Excess from | €300highest quarter | Not confirmed | €70 |
Median across 116 listed providers.
Pros and cons
Luko by Allianz Direct
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
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
Pint.ro
Pros
- One broker places auto, home, travel and breakdown cover, listed under insurance types
- Home cover starts at a low €10 premium
- Premiums can be paid monthly, and help centre, email and phone support are all listed
Cons
- A broker rather than an insurer, so cover is placed with third party providers
- Premiums rank well down the premium from table, at position 149 of 251
- Claims for travel medical cover run on phone only
Who each suits
Luko by Allianz Direct
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
Pint.ro
Who it suits
- Adults in Romania who already hold a car or a home to insure
- Households wanting auto, home, travel and breakdown cover arranged in one place
- People who prefer paying premiums monthly rather than in a single payment
Who should look elsewhere
- Anyone outside Romania, as the broker sits in a single market
- People who want to deal with an insurer directly rather than through a broker
- Readers who need life, health, pet or income protection cover, since insurance types list only four categories
Country by country
| Country | Luko by Allianz Direct | Pint.ro |
|---|---|---|
| France | Yes | No |
| Monaco | Yes | No |
| Romania | No | Yes |
Questions about each
Luko by Allianz Direct
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.
Pint.ro
How much does cover cost from Pint.ro?+
Home insurance starts at a €10 premium, and the same figure applies to the auto, travel and breakdown categories listed under insurance types. The broker does not publish a single flat rate, so your quote depends on the cover you pick. Ask for the full premium before you accept a policy.
Can I pay my premium monthly?+
Yes. Monthly payments are available and the payment model is listed as monthly. That spreads the cost of auto, home, travel or breakdown cover across the year instead of one lump sum, which suits households with a tight monthly budget.
Other options to compare
Luko by Allianz Direct
Pint.ro