Insurer profile
Allianz Direct Versicherungs-AG, French Branch (trading as Luko by Allianz Direct; formerly Luko SAS)
Allianz Direct Versicherungs-AG, French Branch (trading as Luko by Allianz Direct; formerly Luko SAS) · France
Overview
Luko was a French insurtech founded in December 2016 that pioneered 100% online, paperless home insurance for tenants and owners in France, later expanding into PNO, secondary-residence, building (MRI), loan-protection and electric-scooter insurance. After financial difficulties and a 2023 safeguard/receivership procedure, Luko was acquired by Allianz Direct in January 2024 and now operates as 'Luko by Allianz Direct', the French commercial brand of Allianz Direct combining Luko, Allianz Voyage (ex-Mondial Assistance), Friday and, since January 2026, Eurofil, offering home, travel and (increasingly) auto insurance online.
Source10
Products in this market
1
Offer pages
Company details
- Parent group
- Allianz SE (via Allianz Direct Versicherungs-AG)
- Regulator
- Autorité de Contrôle Prudentiel et de Résolution (ACPR)
- Phone
- +33176350823
- [email protected]
Products from Allianz Direct Versicherungs-AG, French Branch (trading as Luko by Allianz Direct; formerly Luko SAS)
Property
Home insurance (tenant/owner-occupier)
Fully digital multi-risk home insurance for tenants and owner-occupiers covering water damage, fire, natural disasters and theft.
Non-occupant owner insurance (PNO)
Insurance for landlords covering rented or vacant properties, mandatory for co-owned buildings under the Alur law.
Secondary residence insurance
Home insurance for holiday homes and secondary residences used occasionally.
Building multi-risk insurance (MRI)
Multi-risk insurance for co-ownerships and building owners covering common areas, fire, water damage and vandalism.
Travel
Holiday travel multi-risk insurance
Comprehensive holiday travel insurance (Allianz Travel, ex-Mondial Assistance) covering medical expenses, cancellation and personal effects.
Annual multi-trip travel insurance
Annual travel insurance covering an unlimited number of private trips under 60 days for one year.
Working Holiday Visa (PVT) travel insurance
Travel insurance designed for people on a Working Holiday Visa (PVT) spending several months abroad.
Regulatory updates
Luko went through an accelerated safeguard procedure in June 2023 (debt of €45 million) and was placed into court-ordered receivership (redressement judiciaire) by the Bobigny commercial court in November 2023 after a planned takeover by British insurer Admiral fell through. In January 2024, Luko's home-insurance business was taken over by Allianz Direct, and the brand became 'Luko by Allianz Direct', operated by Allianz Direct Versicherungs-AG's French branch, registered with the ACPR. Luko Insurance AG (ex-Coya) remains registered with the ACPR since March 2022 under freedom-to-provide-services, while Luko Cover SAS remains registered with ORIAS as an insurance broker since April 2018. Since January 2026, Eurofil's motor and home insurance activities have also been integrated into Luko by Allianz Direct.
Reputation and reviews
Offer pages
Travel insurance
travel insurance from Luko by Allianz Direct for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026