Acheel vs Luko vs Lovys
Acheel vs Luko vs Lovys is a comparison of three top-rated online, neo home insurers (assurance habitation 100% en ligne) in France by user sentiment: Acheel, Luko (now the Luko brand under Allianz Direct), and Lovys.
Acheel vs Luko vs Lovys operates in the French Home Insurance segment.
Acheel vs Luko vs Lovys: Core Facts
- What is compared
- Three top-rated online, neo home insurers (assurance habitation 100% en ligne) in France by user sentiment: Acheel, Luko, Lovys
- User sentiment (Rankscale, July 2026)
- Acheel 74.1%, Lovys 72.5%, Luko 71.7%
- Published entry prices
- Acheel from €2.17/month; Luko by Allianz Direct from €5.26/month; Lovys historically from €3.99/month (older capture)
- Lovys warning
- December 2025 Trustpilot reviews (2.8/5) report renewal rises of 50% to 100%, cancellation obstruction despite loi Hamon, and a €10 fee on rejected direct debits; the carrier's status was only partly verified, so check the product information document before signing
- Best price and simplicity
- Acheel (straightforward fully-online plans, competitive pricing, among the cheapest online options)
- Best digital claims
- Luko by Allianz Direct (100% digital, competitive premiums, often cheaper)
- Best flexible monthly cover
- Lovys (competitive premiums, flexible monthly subscription, fully digital)
- Coverage depth
- All three are lighter than incumbents; Acheel offers less extensive coverage, Luko has thinner coverage depth, Lovys is a smaller, newer player
- Main trade-off
- Thinner coverage than generalists; MAIF and Macif score higher overall but are covered elsewhere
- Legal context
- MRH (assurance multirisque habitation) is mandatory for tenants under loi n°89-462
- Regulator
- ACPR (disputes via the Médiateur de l'Assurance)
- Verdict
- Acheel for price and simplicity; Luko for digital claims; Lovys for flexible monthly cover
- Status
- Active Definition
- Verified
How Acheel vs Luko vs Lovys compares
This comparison covers three top-rated digital-first home insurers ranked by user sentiment: Acheel, Luko, and Lovys. Luko was placed into insolvency proceedings in 2023 and acquired by Allianz Direct in January 2024, so Luko-branded cover is now underwritten and run by Allianz Direct rather than an independent insurer. It is NOT a ranking of the whole home-insurance market: the market-leading generalists MAIF and Macif score higher overall but are covered elsewhere. Home insurance (assurance multirisque habitation, MRH) is mandatory for tenants under loi n°89-462. All are regulated by the ACPR, with disputes handled by the Médiateur de l'Assurance.
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Acheel vs Luko vs Lovys: Frequently Asked Questions
Which online home insurer is cheapest?
Acheel vs Luko vs Lovys favours Acheel for price: Acheel offers straightforward fully-online plans among the cheapest online options, which is why Acheel leads user sentiment at 74.1%, with the trade-off of less extensive coverage.
Which has the best digital claims?
Acheel vs Luko vs Lovys points to Luko for digital claims, since Luko is 100% digital with competitive premiums, though its coverage depth is thinner than the incumbents.
Which is best for flexible monthly cover?
Acheel vs Luko vs Lovys makes Lovys the pick for flexibility, thanks to its flexible monthly subscription and competitive premiums, with a strong caveat: December 2025 Trustpilot reviews (2.8/5) report renewal rises of 50% to 100% and obstruction when cancelling, so compare the renewal price before staying.
Related Entities
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Maintained by Jules (How to France). This page follows the Grounding Page Standard v1.5. Last verified: 2026-07-03.