Your bicycle is insured against theft, partial theft of bike parts and vandalism, as long as it's been secured with its own lock.
This contract covers the bicycle that you listed in your policy together with all its original parts and its lock against theft and vandalism.
If your bicycle is stolen or damaged, your lock is insured as well. Make sure it was included with its original price (including VAT) in your contract. After all, bicycles and locks go together like mac n'cheese.
Original bike parts that are tightly screwed to your bike, like handlebars, saddles, lamps and luggage racks are automatically included in your insurance package. Note that, parts attached with plug connections and quick-release fasteners are not included.
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.
Once your bike passes the 5 year limit, your contract automatically ends on the last day that month. Note, that the bike you purchased must be brand new. We do not insure used bikes!
The frame number (also called serial number) is your bike's unique identification. It helps us and the police identify it in case of a theft. Once you have entered it and closed a contract, it will be listed and ready for you to find anytime in your dashboard.
Yes, for temporary trips between 3–6 months.
Your bike cannot be older than 12 months from the day you purchase it, with you as it's original owner.
If your bike gets stolen, you will always receive the so-called 'replacement value'. This means that we always reimburse the current market value of the same bike (or similar model) so you can replace the one you had with an equally good ride.
As an example: Your bike for which you paid €599 is stolen. During the time you had it, its market price decreased to €566. In this case, we would reimburse you €566, still allowing you to buy it brand new.
Yes, we are serious. We have founded Coya because we ourselves were fed up with complicated language, intransparent 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!
