About Us
Make Business Insurance Better: Why We Built Luma
We’ve worked in insurance and run businesses long enough to see where the system breaks:
- Hidden commissions that inflate premiums
- Vague ‘advice’ and complex documents
- Upselling that benefits the broker more than the client
- Lazy renewals that drive premiums up
So we started to flip the model
Remove hidden commissions
Lead with clear and honest advice
Show exactly what we earn and what the policy covers
We believe
01
Brokers should not be rewarded for selling more expensive premiums
02
Transparency builds trust, and trust wins the long game
03
Clients deserve to know what they are paying
04
Insurance should be explained, not sold
Our Vision
We’re fixing a broken system.
Most of the insurance world talks about "transparency" and "fairness," but then hides a 20/30% commission in your bill. We think that’s a bit rubbish.
At Luma, we’re transforming how advice works - and more importantly, how you pay for it.
At Luma, we’re transforming how advice works - and more importantly, how you pay for it.
Advice you actually understand.
We’ve binned the complex jargon and the "it’s complicated, trust us" attitude (no men in blue suits here!).
We believe insurance should be explained in plain English, pricing should be shown, and your broker’s loyalty should stay where it belongs: with you.
We believe insurance should be explained in plain English, pricing should be shown, and your broker’s loyalty should stay where it belongs: with you.
Your broker shouldn't get a pay rise when your costs go up.
Traditional commissions mean the more you pay, the more the broker makes (crazy huh?). That’s a massive conflict of interest.
We’ve built a smarter, more straightforward experience where we win when you get the best deal, not when your premium hits the roof.
Learn more about How We Work
We’ve built a smarter, more straightforward experience where we win when you get the best deal, not when your premium hits the roof.
Learn more about How We Work
