Luko Home Insurance Referral
1 month free insurance for the referrer
The Luko referral programme gives 1 free month of home insurance to the referrer for each new subscriber. Luko is a French home insurance insurtech, acquired by Allianz in 2023. Sign up in 2 minutes from the app, with an innovative solidarity pot model.
Who it's for and when
Luko is ideal for tenants or homeowners wanting simple, fast and competitive home insurance. 2-minute sign-up via app and instant insurance certificates are very practical. The solidarity pot model (refund if few claims) is innovative.
How to get it, step by step
- Use the Luko referral link
- Download the Luko app
- Subscribe your home insurance in 2 min (property + profile)
- Certificate available immediately - referrer receives 1 free month
Our analysis
Luko pioneered home insurance insurtechs in France with a 100% digital experience. Since Allianz acquisition, financial strength is reinforced. The solidarity pot model (portion of unused premiums donated to a cause) is differentiating. Prices are competitive. Insurance certificate available immediately in the app.
Strengths
- Sign up in 2 minutes via app
- Instant insurance certificate
- Allianz financial strength since acquisition
- Innovative solidarity pot model
Things to watch
- Digital-only service - no physical branch
- Available in mainland France only
Frequently asked questions
Is Luko reliable after the Allianz acquisition?
Yes. The Allianz acquisition reinforces Luko's financial strength. Allianz is one of the world's largest insurance groups.
Can I cancel my Luko insurance at any time?
Yes, after the first year or at renewal. Cancellation can be done directly from the app.
Offer verified on 2026-06-05