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 e-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 e-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.
Your e-bike cannot be older than 12 months from the day you purchase it, with you as it's original owner.
If your e-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 model (or similar model) so you can replace the one you had with an equally good ride.
As an example: Your e-bike for which you paid €1,200 is stolen. During the time you had it, its market price decreased to €900. In this case, we would reimburse you €900, still allowing you to buy it brand new.
The battery itself is insured as well. So let's say someone doesn't go for your e-bike, but only the battery, we'll reimburse with you its original price. As long as the battery has been connected to the bike.
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!
Sum Insured and Insured Value
Not covered items are for example:
There are a number of cases, in which the insurance coverage may be limited. Events always excluded from the insurance coverage are:
Download the full version of our terms and conditions: