Dog Liability is like Private Liability Insurance but for your dog. It covers you against physical or material damages your four-legged friend might cause to others. Sometimes these damages can get quite costly, so just to make sure you are safe, we cover you up to 30 million euros.
It's all fun and games until someone – in this case another dog or even a stranger's kid – gets hurt by your dog. But don't worry about the financial side of claims. We've got you covered up to your insured sum.
Even most chilled dogs get their zoomies once in a while. So if your dog damages or destroys other people's stuff while running wild, we'll cover the damage up to your insured sum.
This refers to various situations in which others (third parties) have financial loss due to your dog's misbehaviour. For example, your dog is leashed outside of a shop and scares its customers away. The owner could lose sales and may be eligible for compensation.
Add useful toppings on top of your dog liability base to enhance the coverage.
We get it: Nothing is good enough for your best friend. Except for this premium topping, because it will meet all your dog liability needs.
You are already securely covered with your Coya Dog Liability. If you and your dog are always up for some extras, this topping is a treat.
Here's a list of some of the included coverages:
Got a thing for hard facts? Take a look at our Terms & Conditions.
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.
Basically, the following applies: The owner of the dog that has bitten or attacked is always liable. Even if the dog has no insurance cover. In this case, the costs of treating your dog or repairing the damage must be paid for out of your own pocket.
We're sorry, but damage to your own belongings and to those living with you in your home, such as your family, is not covered.
This is very simple: As soon as got your Coya insurance, you will receive your policy documents by e-mail. Also, the 24/7 access to your dashboard will be activated, which enables you to have a look at your active insurances and contracts any time.
Currently we can only insure one dog per contract. If you have two dogs and want to insure them, you have to conclude two contracts.
The insurance covers statutory liability, e.g:
Coverage (sprinkles) Top of the Topps (if purchased):
Coverage (topping) SOS: Dog Bite (if purchased):
Coverage (topping) Rented Goods (if purchased):
The insured sums are specified in the insurance policy.
The statutory liability is not insured, e.g:
There are a number of cases in which the insurance company coverage may be limited, e.g.:
Download the full version of our terms and conditions:
