Luko Referral 2026: 1 Free Month of Home Insurance
1 month free insurance for the referrer
Open the official site to check
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.
How does the Luko referral work?
The referrer shares their link, the referee downloads the app and takes out home insurance from their phone. The referrer's reward comes once the referee's policy is active. Going through the link before subscribing is what connects the two accounts.
Is the Luko referral programme still running?
We have no up-to-date public confirmation of the programme since the integration into the Allianz group. The conditions shown here describe the known mechanics, not a campaign guaranteed to be open today. Check in the app before promising anything to someone.
Does the Allianz acquisition change the Luko referral?
The acquisition strengthens the insurer's financial base, but a change of ownership often comes with a review of acquisition programmes. A referral documented before the deal is therefore no guarantee of identical conditions today, hence the check in the app.
Who can refer someone at Luko?
A Luko policyholder with a current home insurance contract. The link is retrieved from the app; it is personal and tied to that account. A link picked up elsewhere rewards the policyholder who generated it, not whoever circulates it afterwards.
Is the Luko referral open to tenants as well as owners?
Luko's home insurance addresses both profiles, and the referral follows the policy subscription, whatever the referee's occupancy status. What determines eligibility is the subscription itself, not being a tenant or an owner.
Does the Luko referral work outside mainland France?
No. The service covers mainland France: a home outside that area cannot be insured, so no referral can complete. That is a limit of the product itself, not a specific condition of the programme.
What happens if the referee cancels their Luko policy?
Insurance programmes generally make the reward conditional on the policy being kept for a minimum period. We have not checked that duration at source for Luko: it appears in the programme's terms at the time the referee subscribes.
How do you check a Luko referral with no branch to visit?
Everything happens in the app: policy tracking, insurance certificate, and referral status when a campaign is running. The insurer operates without physical branches, so the recourse channel is the in-app support or the contact address given on the official site.
Offer verified on 2026-08-12