Because other people's things are a little more fragile.

From € 4.29/month

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ZERO DEDUCTIBLE
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zero paper

You are covered.

If you have caused others physical or material damages (we know: ugh!) and are confronted with their financial claims.

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In case of these damages

Medical
Injuries
Broken
Things
Financial
Loss
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Upgrade your basic plan!

Partner

If your significant other is registered in your apartment, you can get her or him covered in your Coya Private Liability Insurance.

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Kids

Living with children? Awesome! Now let's make sure that covering their damages to others won't be a hassle.

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How it works

Unlearn old insurance habits
and meet your new features!

Everything in one place – your Coya dashboard

Easily access your active policies and change them on the fly. According to your real life's needs.

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Claim easily online within seconds

Loss and damage suck, we can't sugarcoat it. That's why we are there for you in times of need and turn claiming from ugh! to wow!

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Why our Coya Community
loves us

Ole

„As promised, cheap, stress free and simple.“

5/5

Sandra

„Great insurance, with a good customer service that answered all my questions.“

5/5

Anja Christine

„My damage was fixed really easily. Thank you Coya!“

5/5

Answers to
burning questions

Am I covered if I lose someone's key?

Put simply: yes.
If you lose a key that is not yours (but was entrusted to you) or if it is stolen, you are covered by your liability insurance. This applies to all keys, such as apartment keys, office keys or keys of a clubhouse.

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What's a third party?

Third parties are people who are not insured in your contract and make claims for damages against you or a co-insured person. So the private liability insurance covers everyday risks in your private life, which could cause damage to third parties, their stuff or finances.

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Am I covered if my dog causes any damage?

In general, dogs are not covered by your private liability insurance. You would need an own insurance (pet owner's liability insurance for dogs). Assistance dogs (e.g. guide dogs for the blind, dogs for the disabled, signal dogs or diabetic warning dogs) are excluded. They are also insured within your coverage. However, if you have just gotten a dog, new risks are initially covered by the insurance, so that you won't be without any coverage for the time being. As soon as we ask or are informed about this, you will need to retroactively get a pet owner's liability insurance for your dog.

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Is it really that easy to get coverage from Coya?

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!

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Are you a hard fact kinda person?
Check our Terms & Conditions

Terms & Conditions (PDF, 0.6 mb)

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Lorem Ipsum dies das Ananas H4

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.

Lorem Ipsum dies das Ananas H4

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis, sem. Nulla consequat massa quis enim. Donec pede justo, fringilla vel, aliquet nec, vulputate eget, arcu. In enim justo, rhoncus ut, imperdiet a, venenatis vitae, justo. Nullam dictum felis eu pede mollis pretium. Integer tincidunt.