Did you accidentally drop your friends phone, or pour coffee over someone else the laptop? Life can certainly be unpredictable sometimes, and though we can't rewind time, we can make sure you are prepared for moments like these. We make sure that the resulting damage is repaired or taken care of as soon as possible. After all, the last thing that you want is an insurance that adds more stress to your plate. Coya is you new digital insurance free from paperwork, fixed contract lengths and deductibles. Fair, easy and user-centric the motto by which we live.

Die Diebstahlversicherung

für dein neues Fahrrad.

Unsere digitale Fahrraddiebstahlversicherung für hochwertige Räder ist bald verfügbar! Trag dich hier ein, wenn du informiert werden möchtest, sobald sie erhältlich ist!

Your Liability Insurance - Flexible, digital & there for you.

Why is liability insurance so important?

Private liability insurance is among the most important insurances offered in Germany.  It covers you if you do harm to another person or damage their property in any way. From small things like spilling red wine on your friends expensive carpet, loosing someones key or damaging another persons laptop, to larger things like hurting or killing someone in an accident with a moving vehicle, private liability protects you against the financial consequences that would normally follow. It doesn't take much to make a mistake that could affect someone else, and since legally speaking you are liable, this insurance is there to help you sleep calmly at night.

Why is liability insurance so important?

Reasons to get Coya

Reasons to get Coya

WHY COYA?LIABILITY INSURANCECONTACT

Contact

Who is Coya?

Coya is the new digital insurance from Berlin. We run paperless, without deductibles, and we use simple language instead of fancy insurance talk. Our contracts are super flexible, allowing you to customize length and cancel any day.

Fun fact: we are a BaFin licensed insurance company, members of the of the GDV (Gesamtverband der Deutschen Versicherungswirtschaft e.V.).

We're there when you need us. 

In good times and in bad.

Besides covering the costs for the damage done, we also check whether the demanded amount is within the legal requirements. Oftentimes, more is asked for than you might be legally obliged to pay - we will help you settle the case.

✓  Property damage
✓  Bodily damages
✓  Financial losses that result from a bodily or property damage

If you lose the key to your rented apartment or the office, we reimburse you the costs for a new key as well as for changing the locks if necessary.

Key loss

What's included

Unlawful demands

Online Daten ausfüllen und Tarif berechnen

Online Daten ausfüllen und Tarif berechnen

Online Daten ausfüllen und Tarif berechnen

Angebot bestätigen und Account anlegen

Who is Coya?

Coya is the new digital insurance from Berlin. We run paperless, without deductibles, and we use simple language instead of fancy insurance talk. Our contracts are super flexible, allowing you to customize length and cancel any day.

Fun fact: we are a BaFin licensed insurance company, members of the of the GDV (Gesamtverband der Deutschen Versicherungswirtschaft e.V.).

You never know when 

the unexpected will happen. 

You new private Liability Insurance for only € 4.29/month.

Your private Liability Insurance for only € 4.29/month.

You never know when the unexpected will happen.

✓ Zero deductible

✓ Digital – we run paperless

✓ Cancel any day  – no fixed contract length

✓ Worldwide coverage

✓ 30 Mio. Euro as coverage (Basic plan)

✓ Covers you in case of credit default - if someone without     a liability insurance harms you or your belongings, we         cover you as well

✓ Cheap fees

✓ Easy monthly payment with credit card or SEPA-debit

✓ Get contract online in under two minutes

Did you accidentally drop your friends phone, or pour coffee over someone else the laptop? Life can certainly be unpredictable sometimes, and though we can't rewind time, we can make sure you are prepared for moments like these. We make sure that the resulting damage is repaired or taken care of as soon as possible. After all, the last thing that you want is an insurance that adds more stress to your plate. Coya is you new digital insurance free from paperwork, fixed contract lengths and deductibles. Fair, easy and user-centric the motto by which we live.

Your Liability Insurance - Flexible, digital & there for you

MORE DETAILSWHO IS COYA?DARUM COYAWAS IST HAFTPFLICHT?KONTAKTWER IST COYA?MEHR DETAILS

✓ Zero deductible

✓ Digital – we run paperless

✓ Cancel any day  – no fixed contract length

✓ Worldwide coverage

✓ 30 Mio. Euro as coverage

✓ Covers you in case of credit default - if                    someone without a liability insurance harms       you or your belongings, we cover you as well

✓ Cheap fees

✓ Easy monthly payment with credit card or SEPA-debit

✓ Get contract online in under two minutes

Private liability insurance is among the most important insurances offered in Germany.  It covers you if you do harm to another person or damage their property in any way. From small things like spilling red wine on your friend's expensive carpet, losing someone's key or damaging another person's laptop, to larger things like hurting or killing someone in an accident with a moving vehicle, private liability protects you against the financial consequences that would normally follow. It doesn't take much to make a mistake that could affect someone else, and since legally speaking you are liable, this insurance is there to help you sleep calmly at night.

Besides covering the costs for the damage done, we also check whether the demanded amount is within the legal requirements. Oftentimes, more is asked for than you might be legally obliged to pay - we will help you settle the case.

✓  Property damage
✓  Bodily damages
✓ Financial losses that result from a bodily or property damage

If you lose the key to your rented apartment or the office, we reimburse you the costs for a new key as well as for changing the locks if necessary.

Key loss

Unlawful demands

What's included

MORE DETAILS

We're there when you need us.

CALCULATE QUOTE

Basic (available)

Our plans:

Our simplest plan, for the protection you need. Covers all the basics of a private liability insurance. 

+ 10 mio coverage
+ Coverage in case of credit default
+ Worldwide coverage
+ Losing keys up to 15 000 Euro
+ Support defending unjustified demands

And more…

Premium (coming soon)

Comprehensive coverage, that contains many great additions to the basic plan.

+ 50 mio coverage
Children living at home are covered, no matter 

   their age
Losing keys up to full coverage amount
Best performance guarantee

And more…

Want us to shoot you a mail, once this is launched?

HOW DO I GET INSURED?MAKE ME AN OFFER

Basic 


Our
plans:

Premium (coming soon)

Comprehensive coverage, that contains many great additions to the basic plan.

+ 50 mio coverage
Children living at home are covered, no matter age
Losing keys up to full coverage amount
Best performance guarantee

And more…

Want us to shoot you a mail, once this is launched?

COMING SOON

Our simplest plan, for the protection you need. Covers all the basics of a private liability insurance. 

+ 10 mio coverage
+ Coverage in case of credit default
+ Worldwide coverage
+ Losing keys up to 15 000 Euro
+ Support defending unjustified demands

And more…

How does it work?

Fill out some basic information online and calculate your monthly fee

Accept your offer and create a Coya account

Done! You're insured as of the following day.
#coyeah

CALCULATE QUOTE

How does it work?

Fill out some basic information online and calculate your monthly fee

Accept your offer and create a Coya account

Done! You're insured as of the following day.
#coyeah

CALCULATE MY QUOTE

Ole

"As promised, this insurance is affordable, easy and caused me little stress".


Anonym

"Fantastic customer service- they really take the time for you and are super friendly."

Anja Christine

"The terms and conditions are understandable, even if you're not an insurance geek. This is definitely a real pro compared to other insurances!

What our
customers say

Anonym

Einfach und verständlich für jeden.


Manuela

Die Versicherungsbedingungen sind auch von einem Nicht-Fachmann zu verstehen – großes Pro anderen Versicherungen gegenüber.

Sascha

„Sehr gute Kundenbetreuung.

From Google & Facebook reviews

Anja Christine

"The terms and conditions are understandable, even if you're not an insurance geek. This is definitely a real pro compared to other insurances!

Manuela

"Fantastic customer service- they really take the time for you and are super friendly."

Ole

"As promised, this insurance is affordable, easy and caused me little stress".

What our customers say

From Google & Facebook reviews

OUR PLANS

Coya is the new digital insurance from Berlin. We run paperless, without deductibles, and we use simple language instead of fancy insurance talk. Our contracts are super flexible, allowing you to customize length and cancel any day.

Fun fact: we are a BaFin licensed insurance company, members of the of the GDV (Gesamtverband der Deutschen Versicherungswirtschaft e.V.).