We will reimburse you up to 100% of the purchase price of your bike, if your bike, your lock, or any parts permanently attached to the bike are stolen.
It’s bad enough if your bike was stolen or damaged; it shouldn't affect your financial situation, too!
If your bike is under 3 years old, we will refund up to 100% of the purchase price of your bike.
The reimbursement is reduced to a maximum of:
Do you love hard facts? Then check out the full terms and conditions of our Bike Insurance.
We insure you – and give you the freedom you need.
Coya insurance allows you to cancel your plan at any time with a few simple clicks on your account.
You will be reimbursed to the very day and then you’ll be off the hook, to pursue life wherever it takes you.
Do you like hard facts? Then check out the full terms and conditions of our Bike Insurance.
Better safe than sorry – especially when it comes to your bike.
We protect your bike against damage and wear, so you can keep riding.
We cover the cost of damage due to the following events (apart from those already covered):
Also included: A yearly bonus of €50 for bike inspection.
Do you love hard facts? Then check out the full terms and conditions of our Bike Insurance.
Buying insurance is easy! Simply click get offer and enter in some basic information. We will prepare your personalised offer right away that you can purchase immediately on your device. No need for any paperwork or to wait for any approvals. The next time you purchase an insurance policy with Coya, it becomes even easier. We save all your personal details to your account to make the process as streamline as possible.
You will never be locked into a fixed contract at Coya. We understand that circumstances can change and therefore enable you to cancel your plan at any time with a few simple clicks. You will get refunded to the exact day you cancel.
You can access your personal dashboard to view, edit and claim on your policies from any connected device. Our insurance offers global coverage when applicable to make sure you are protected wherever you are. If you have any specific coverage questions, feel free to check our T&Cs or get in touch for more info.
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
Insured perils
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:
Valid for purchases made until 31.05.2021. Only valid for one purchase per person. The discount code applies to all products in the tex—lock online shop. The discount code is applied to the total amount of the order. The maximum discount amount is €150. A cash payment is not possible. If you have any questions please contact tex—lock's customer service under +49 341 550193 00 or support@tex-lock.com.
