Luko by Allianz Direct review

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

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Our verdict

Luko by Allianz Direct suits people who want home, renters, landlord, travel and auto cover paid monthly rather than lumped together by another provider. Premiums start at €5.26, below the site median of €8.37, and the same schedule runs across the policies in the range.

Key facts

Best for
Monthly personal cover from a single insurer, starting at €5.26 a month.
Premium from
€5.26 (Source, checked September 26, 2026)
Insurance types
Home, Renters, Landlord, Travel, Auto (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€300 (Source, checked September 26, 2026)
Cover limit
Medical expenses abroad up to EUR 300,000 (Source, checked September 26, 2026)
Claims channels
Online account, Phone, Chat (Source, checked September 26, 2026)
Legal entity
Allianz Direct Versicherungs-AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
luko.eu

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Cover spans home, renters and landlord under a single insurer, insurer, rather than a broker passing the risk on.
  • Monthly billing is the standard model, monthly, with monthly payments available on the account.
  • Claims can be reported through online account, phone and chat, and day to day support runs on chat, phone and help centre.
  • Premiums start at €5.26, below the site median of €8.37.

Cons

  • The excess starts at €300 on a claim, a real share of a small monthly premium.
  • Only monthly billing is listed, monthly, so there is no annual payment route for anyone who prefers a single settlement.
  • On price the brand ranks 95 of 252, so the entry figure sits mid-field.
Luko by Allianz Direct

Ready to try Luko by Allianz Direct?

Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Households wanting home, renters, landlord, travel and auto cover from a single monthly insurer, insurer.
  • People who prefer paying a small amount regularly: premiums start at €5.26 and monthly payments are available.
  • Travellers who read the medical side of a policy closely, since Medical expenses abroad up to EUR 300,000 sits on the travel cover.

Who should look elsewhere

  • bunq, where the listed premium is €0, so that figure says little about the price of a policy.
  • Good Sam Insurance Agency, which lists auto, home and renters and so reaches life, health, pet and motorcycle lines outside this range.
  • Euroasia Insurance, whose listed premium of UZS 60,000 is priced in another market and currency from the euro figures here.

How your money is protected

Luko by Allianz Direct writes its own policies rather than reselling them: insurer keeps the risk with the company behind the brand instead of passing it to another carrier or a comparison site. A claim therefore stays inside the same organisation from first notification through to payout. In France the firm is supervised by the Autorite de Controle Prudentiel et de Resolution (ACPR).

The company behind it

The legal entity behind the brand is Allianz Direct Versicherungs-AG, headquartered in Germany and trading since 2016. Support runs on chat, phone and help centre, so a policy question, a change or a complaint can be handled in the help centre, in a chat or on the phone rather than through the post.

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 does cover cost each month?+

Premiums start at €5.26, which sits below the median of €8.37 across the site. On price alone the brand ranks 95 of 252, so the entry figure sits under the median without sitting at the front of the field.

Can I pay monthly rather than in one go?+

Yes, monthly payments are available on the account, and monthly is the only billing model listed, so the regular payment is the normal route rather than an optional extra. The entry policies start at €5.26 on that schedule.

What excess do I pay on a claim?+

The excess starts at €300, which is the part of any claim you cover yourself. On cover priced from €5.26 a month, that figure is worth reading before you choose a policy, because it sits outside the monthly premium.

What can I insure with Luko by Allianz Direct?+

The listed policies are home, renters and landlord, and the travel one carries Medical expenses abroad up to EUR 300,000 for medical costs abroad. As insurer, the company underwrites that cover itself rather than placing it with another carrier, so the home, renters, landlord, travel and auto lines sit under one roof.

Who covers the risk behind the policy?+

Luko by Allianz Direct is listed as an insurer, so the risk stays with the firm that sells the policy and claims are handled there rather than passed on. The contract is with Allianz Direct Versicherungs-AG, supervised in France by the Autorite de Controle Prudentiel et de Resolution (ACPR).

How do I report a claim?+

Claims run through online account, phone and chat, so a loss can be reported from the online account, over the phone or in a chat without posting paperwork. Day to day policy questions are handled separately on chat, phone and help centre.

Who runs the brand and how long has it traded?+

The legal entity is Allianz Direct Versicherungs-AG, based in Germany and trading since 2016. The Luko name therefore sits on an established insurer rather than a new entrant, and queries are answered in house through chat, phone and help centre.

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

Monthly personal cover from a single insurer, starting at €5.26 a month.

8.9/10See alternatives

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