Better safe than sorry – especially when it comes to your bike.
Super friendly English speaking customer service, a rarity in Germany, and really good for expats who are still learning the language. Customer service was responsive throughout the whole period and made the processing, although a bit long, a very pleasant experience. Also probably the easiest insurance company I’ve ever had to deal with.
Christian (one of our happy customers via Google reviews)
View, edit or claim on your policy whenever or wherever you are.
Simply adjust your policy coverage anytime to suit your new reality.
Loss and damage suck, we can't sugarcoat it. That's why we make it as easy as possible to claim so we can take the burden off you.
That’s simple: You have worldwide insurance coverage!
Yes, please! The frame number is the unique fingerprint of your bicycle and helps us to identify it (in case of an insured event).
Unfortunately, Bike Insurance does not cover vandalism on your bike. But just get our Vollkasko add-on! Vandalism is included here.
Good question! Generally, we insure all parts that are permanently attached to your bike and are necessary for the operation of the bike (e.g. battery, saddle, handlebars, lights, etc.). The child seat is considered an accessory that does not affect the function of the bicycle. Therefore, it is unfortunately not covered by this insurance.
In this case, we will only insure the bike if you can prove that it was given to you as a gift (proof of gift). It must be evident that you are the legal owner of the bike at the time of damage.
We know how annoying that is! If your bike has been stolen at night or is so damaged that you can't continue riding, we will cover the costs of transport or overnight accommodation.
Yes, we are serious. We started Coya because we ourselves were fed up with complicated language, confusing contracts, and paperwork. You can really get covered with us in just a few minutes, view your documents online 24/7, and cancel at any time. Convince yourself!
Sum insured and value
These include, for example:
There are a number of cases where the insurance coverage may be limited. In any case, excluded from insurance cover are, e.g.:
Download the full version of our terms and conditions: