# Luko

**Canonical:** https://apis.io/providers/luko/  
**Website:** https://www.fr.luko.eu  
**APIs profiled:** 0

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.

## Kin Score — 13.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 12.5).

| Facet | Score |
|---|---|
| Discoverability | 61.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 30.3 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Luko Domain Security** — TLSv1.3 · HSTS · DMARC
- **Luko Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Consumer, Insurance, Insurtech, Home Insurance, Travel Insurance, Auto Insurance, France, Allianz

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/luko/). Scores are computed from the provider's own public artifacts under a published rubric.