Luko website screenshot

Luko

Luko is an online home, travel, and auto insurance provider founded in France in 2016 and now operating as Luko by Allianz Direct after its acquisition by the Allianz group. It sells rental, owner-occupied, non-occupant-owner (PNO), student, and co-housing home policies from around EUR 5 per month, plus travel and Eurofil-partnered auto cover, with sub-two-minute online subscription, instant attestations, digital claims declaration through a customer account portal, and 24/7 emergency support. Originally a VC-backed insurtech (Accel, Speedinvest), Luko today runs as a consumer insurance brand with no public developer API, SDK, or API documentation surface; this profile captures its verifiable security and identity footprint.

Luko is profiled on the APIs.io network. Tagged areas include Company, Consumer, Insurance, Insurtech, and Home Insurance.

Luko’s developer surface includes support, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
18.1/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyConsumerInsuranceInsurtechHome InsuranceTravel InsuranceAuto InsuranceFranceAllianz

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 18.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/luko: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Luko Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Luko Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown

Access & Security 4

Authentication, authorization, and security posture

SecurityTxt
SecurityTxt
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: luko
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/luko.png
name: Luko
description: Luko is an online home, travel, and auto insurance provider founded in France in 2016 and now operating as Luko
  by Allianz Direct after its acquisition by the Allianz group. It sells rental, owner-occupied, non-occupant-owner (PNO),
  student, and co-housing home policies from around EUR 5 per month, plus travel and Eurofil-partnered auto cover, with sub-two-minute
  online subscription, instant attestations, digital claims declaration through a customer account portal, and 24/7 emergency
  support. Originally a VC-backed insurtech (Accel, Speedinvest), Luko today runs as a consumer insurance brand with no public
  developer API, SDK, or API documentation surface; this profile captures its verifiable security and identity footprint.
url: https://raw.githubusercontent.com/api-evangelist/luko/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
- speedinvest
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Consumer
- Insurance
- Insurtech
- Home Insurance
- Travel Insurance
- Auto Insurance
- France
- Allianz
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.fr.luko.eu
- type: Support
  url: https://www.fr.luko.eu/aide/
- type: Blog
  url: https://www.fr.luko.eu/assurance-voyage/blog-voyage/
- type: TermsOfService
  url: https://www.fr.luko.eu/cgu/
- type: PrivacyPolicy
  url: https://www.fr.luko.eu/confidentialite-donnees/
- type: SecurityTxt
  url: well-known/luko-security.txt
- type: WellKnown
  url: well-known/luko-well-known.yml
- type: VulnerabilityDisclosure
  url: security/luko-vulnerability-disclosure.yml
- type: Security
  url: https://www.fr.luko.eu/.well-known/security.txt
- type: DomainSecurity
  url: security/luko-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 4
  pass: local-v1