By akademiotoelektronik, 12/03/2023
With its really practical application, Luko dusts off the world of home insurance
Launched in 2018, Luko home insurance has already won over more than 200,000 people. How ? By offering a modern and up-to-date service, far from the tedious procedures that are usually attributed to the insurance sector.
Mandatory for renters (and many homeowners), home insurance does not enjoy a good reputation. They are generally offered by banking and insurance giants that have not yet taken the turn of digital transformation. This means that to declare a claim, there is often a lot of paperwork to fill out and time spent on the phone. It still has to be taken care of, because home insurance contracts are not the easiest to decipher.
It was from all these issues that Luko was born. The French start-up intends to dust off the world of home insurance by offering a 100% digital service. From registration to claim declaration, everything happens in a few clicks from the mobile application. This application, precisely, offers much more than a simple insurance service, as we will see.
Luko offers you 30 euros on your home insurance. Just enter the code LUKOFRANDROID during registration.
Discover home insurance and the Luko super-app100% digital insurance
First request for a quote, registration, claim declaration: at traditional insurers, these procedures generally require sending letters or emails, or even phoning or visiting an advisor. At Luko, it's simple, all these steps are done directly online. And this is one of the biggest advantages of the service provided by the start-up. This first saves time, but it also saves you from having to listen to sales pitches that seek to get you to subscribe to options that you do not always need. This is also a good point for people affected by phone phobia.
Registering for Luko only takes a few minutes
When registering, Luko asks you for all the information it needs about your accommodation: the address, the area or the type of accommodation. A questionnaire that only takes 2 minutes, and which already allows you to know the price of your home insurance. You can then choose to take advantage of extended cover or not (locksmith repairs, pest control, etc.) and to subscribe to various options, so that you only pay for what you really need.
To declare a claim, everything is done from the mobile application as well. Once the problem is reported, the application will ask you a few questions about the nature of the incident. End the declaration with a video of the loss so that an advisor can get back to you quickly.
Luko: more than a home insurance app
The Luko app not only allows you to manage your home insurance. The start-up has built this platform as a real tool for managing its accommodation. Among all the features available, there is a follow-up of its electricity and gas consumption. Simply link the application with the identifiers of its meters to consult its consumption in real time. You can then view the evolution of your consumption, and compare it with previous periods. This is a very good way to identify leaks, for example.
Monitoring of electricity consumption, real estate or craftsman research are all services integrated into Luko
And to better prepare for or deal with disasters, a section of the application is dedicated to work. It contains a series of tips to apply at home to solve common problems, such as a squeaky floor. But for more serious work, Luko can put you in touch with certified craftsmen from its trusted network. They practice in all areas: plumbing, electricity, locksmithing, etc. This is the assurance of not falling on dishonest contractors.
Finally, if you are looking for a new home, Luko has its own classifieds aggregator. Rental or purchase, it is up to you to choose and specify your criteria. All matching ads will then be compiled in Luko. Thus, you no longer need to download all the real estate ad search applications to do your daily monitoring.
Home insurance at a fair price
Despite the practicality of its service, Luko offers very attractive prices for its home insurance. To achieve this, the insurance only offers the most essential guarantees. But many options are available, and they allow you to shape your home insurance according to your needs. For example, you can indicate whether you have valuables, such as jewelry, and insure them in addition. They will be refunded up to their value in the event of a claim.
Luko clearly displays what is included in his home insurance
As with mobile plans, subscribing to home insurance is now simplified. If you wish to switch to Luko, it is the insurance that will terminate your previous contract itself (provided that it is more than a year old, in accordance with the Hamon law). The French start-up has also diversified its services. It now offers insurance for NVEIs (New Individual Electric Vehicles such as bicycles or scooters). There is also home loan insurance.
With the quality of its home insurance, but also all the services included in its application, Luko is on the way to becoming the tool at the heart of managing your home. Works, electricity, insurance, real estate: everything goes there to avoid you having to multiply the applications on your smartphone.
Luko allows you to save 30 euros on the first months of your home insurance thanks to the code LUKOFRANDROID to be entered during registration.
Discover home insurance and the Luko super-app
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