Bike Insurance

Because it's not just any bike, it's yours.

What is your bike insured against?

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.

Secure your bike against damage & wear.

Better safe than sorry – especially when it comes to your bike.


We cover accident & fall damage; wear and tear on brakes, tires, & tubes; vandalism; operator error; material, production, & design defects – and much more.


Game of Drones? If fun gets serious and your drone scratches your neighbour's car, you're not screwed. You're covered.
Learn More

Why join Coya?

Become part of our Coya community

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)

Introducing your
hassle-free insurance

Universal access to your insurance policies

View, edit or claim on your policy whenever or wherever you are.

Adjust coverage
to match life changes

Simply adjust your policy coverage anytime to suit your new reality.

Claim in seconds

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.

Get insured in minutes

Get your offer

Answer a few questions and receive your personal offer in less than 2 minutes.

Adjust your coverage

Adapt the offer to your needs and setup your account.


Ready! You'll find all your documents in your digital Coya account.

Answers to burning questions

Where is my bike insured?

That’s simple: You have worldwide insurance coverage!


Do you need my frame number?

Yes, please! The frame number is the unique fingerprint of your bicycle and helps us to identify it (in case of an insured event).


Am I protected in case of vandalism?

Unfortunately, Bike Insurance does not cover vandalism on your bike. But just get our Vollkasko add-on! Vandalism is included here.


Is the child seat also insured?

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.


What if my bike was a gift?

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.


What happens if my bike is stolen at night?

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.


Is it really that easy to get coverage from Coya?

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!


Check out our Terms & Conditions

What is covered?

  • The insurance covers the bicycle or e-bike specified in the insurance policy and parts permanently connected to it that serve the function of the bike;
  • The lock used (if specified).

Sum insured and value

  • The sum insured is calculated from the dealer selling price of the
    a) insured bikes at first purchase (purchase of the brand-new bike by the first owner) an
    b) lock (if specified).
  • The replacement value of bikes up to 36 months old is insured. For bikes that are more than 36 months old, the current value is reimbursed on a pro rata basis.

Insured perils

  • Theft (also from locked motor vehicles or bicycle carriers);
  • Burglary;
  • Robbery;
  • Theft of parts.

What is not covered?

These include, for example:

  • Self-built bikes, velomobiles, fully dressed bikes;
  • Bikes for which an insurance or driving licence is compulsory;
  • Bikes with a dealer sales price/insurance value incl. lock of over €10,000;
  • Accessories (e.g. child seat) or other items that are not required for operation.

Are there any coverage restrictions?

There are a number of cases where the insurance coverage may be limited. In any case, excluded from insurance cover are, e.g.:

  • Deliberately caused damages;
  • Damage that does not impair the function of the item (e.g. scuffs and damage to the paintwork or other blemishes);
  • Damage caused by war, warlike events, civil war, revolution, rebellion, insurrection, civil unrest, nuclear energy, nuclear radiation, or radioactive substances.

Download the full version of our terms and conditions:

Bike Insurance Terms & Conditions (PDF, 0.4 mb)

*Conditions for redeeming the tex—lock discount code

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

Back to top