Luko Reviews
Published by LUKO on 2026-05-05🏷️ About: .
We Investigate the app owner's website (Luko.eu), verify their legitimacy, and uncover hidden scams and complaints.
I would not recommend this insurance to anyone. Not only does their application make submitting a claim MORE difficult, their customer service is absolutely unhelpful. I am still dealing with an unfinished claim from a flood in my apartment and doubt I will receive any clarity, assistance, or monetary compensation for the disaster. PLEASE, find an alternative insurance. Do not use this app. Honestly, at this point I am not sure if this is even a valid, legally-practicing insurance agency.
This is a fake insurance agency. You may think you’re covered, but unfortunately you are not. I had water damage from my upstairs neighbors on the ceiling in my bathroom and the agency said it was because I didn’t keep the window open. They refused to send a specialist to look at I requested it multiple times. In fact, I uncovered a huge building issue that now the building is dealing with now and it wouldn’t have been their responsibility, but the building’s. But in the fact that they refused to do their part at all, and told me a specialist looked at it, sounds like they’re not equipped to deal with actual problems that may come up. Just be aware they will not do their part as an insurance agency and you will be stuck dealing with your issues on your own.
Crashes on launch on my iPhone 12.
Dear Sir/Madam, your brand states "you are in good hands" - well, my claim was filed over 30 days ago and I have zero visibility into the € 1,450.00 that I had filed for the door lock vandalism/replacement for my flat in Paris, France.
this app insurance claim number - CLAIM LUKO_CL_2220259397
I have provided photos, police filed complaints, supporting docs etc. My experience has been horrible thus far with this app Insurance and I would like to speak with a live agent on the status of my o/s claim. What can the CEO of this app Insurance do to assure us you stand behind "you are in good hands"? Best Niranjan (Chicago, USA) 1 (415) 713 9627
Luko - N°1 Neo-insurance does not appear safe based on available data.
JustUseApp Safety Score for Luko is 1.8/100.
This assessment is based on our NLP analysis of 32 user reviews.
Combined with the app store average rating of 4.3/5.
Luko - N°1 Neo-insurance does not appear legitimate based on our analysis.
Our NLP models processed user feedback to estimate legitimacy. JustUseApp Legitimacy Score for Luko is 1.8/100 .
This conclusion is based on analysis of 32 user reviews.
Luko collected the following data from you:
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