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
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
✓ 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
We're there when you need us.
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?
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
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
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
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.).