Luko, première néo-assurance d’Europe, n’en finit plus de proposer de nouvelles offres.

Luko, partenaire Bernie, n’en finit plus d’agrandir son offre en cette période de fin des restrictions sanitaires. Entre une assurance pour les locations de courtes durées et une assurance emprunteur plus transparente Luko, la première néo-assurance habitation en Europe avec plus de 150 000 assurés, continue de développer ses offres liées aux logements et à la location. Après avoir lancé la première assurance 100 % en ligne pour les immeubles et les copropriétés, Luko annonce fin avril la mise en place d’une nouvelle offre d‘assurances pour locations à courtes durées et en fait la promotion à l’aide d’un partenariat avec Airbnb. 

Une assurance pour les location à court terme

Alors que les Français se remettent peu à peu à planifier leurs vacances avec les l’assouplissement des restrictions, Luko surf sur cette vague de libération et propose à ces personnes d’assurer leurs biens s’ils souhaitent les louer pour la durée des vacances. Les restrictions concernant les départs à l’étranger étant toujours d’actualité, une majorité de personnes devraient faire le choix de vacances sur le territoire national. Dans cette conjoncture, le partenariat avec Airbnb parait particulièrement alléchant. L’entreprise de location à courte durée offre aux clients Luko qui décident de mettre leurs biens en location sur leur site pour la durée de l’été, l’équivalent d’un an d’assurance, soit 150 €, et la garanti d’un revenu qui permettrait de payer une partie des vacances ! 

Alors que Luko était déjà présent sur le marché de location résidentielle de longue durée, notamment grâce à son partenariat avec l’agence immobilière digitale Bernie, cette nouvelle offre arrive à point nommé. Elle permet aux vacanciers désireux de mettre à profit leur départ, de s’assurer contre dégâts des eaux, incendies, mise en jeu de la responsabilité civile, etc. mais également contre les éventuels vols et dégradations causés dans leur logement ou leur copropriété par les locataires temporaires. Autant de dommages que beaucoup d’assurances ne couvrent pas. 

Une assurance emprunteur, moins chère, aussi efficace

Plus tard, le 15 juillet, Benoît Bourdel, le co-fondateur de Luko, annonce sur BFM Patrimoine, le lancement de la nouvelle offre de l’entreprise : une assurance emprunteur.Luko propose une alternative bien moins chère et plus transparente aux offres habituellement proposés par les banques qui d’après M. Bourdel peuvent manquer de clarté et représenter des taux de marge de l’ordre de 50%. 

L’assurance Luko garantie à l’emprunteur la même couverture que celle dont il dispose avec la banque et s’engage à assurer la personne pour le risque qui correspond à son dossier et ce au juste prix. Ainsi est évoqué l’exemple du co-fondateur lui-même qui, en passant chez Luko, à fait passer le coût de son assurance de 26,000 € à 4,000 €. 

Pour ce faire, Luko engage des moyens technologiques mais fait également appel à des analystes pour étudier au mieux le profil de la personne afin de lui proposer le contrat le plus avantageux possible. De plus, Luko va également se charger d’analyser son contrat actuel afin de proposer des garanties équivalentes afin que la banque chez qui la personne avait signé son contrat n’ait pas d’autre choix que de le transférer. Luko se charge de relancer la banque jusqu’à ce qu’elle accepte de transférer le contrat. 

Enfin, dans cet interview, M. Bourdel évoque également le lancement de Lukoimmo, une application permettant de trouver des biens à louer et à acheter en fixant les critères que l’on veut, et qui s’utilise de la même façon que l’application Tinder, en faisant passer les biens à gauche ou à droite selon si on est intéressé ou pas. 

Bernie est une agence immobilière en ligne spécialisée dans la gestion locative à revenus garantis qui a créé des partenariats avec des startups partageant un même ADN et proposant des services complémentaires : LukoPapernest, GarantmeImmocitizUnkle

Propriétaires, retrouvez nos offres de gestion locative sur bernie.re ou allez voir notre Instagram

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