Easy! Private Liability covers you, if you cause physical or material damages 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.
Imagine you're carrying something heavy and drop it on a friend's or a stranger's foot (ouch!). If something like this should happen to you, and someone injured needs medical care, we will cover the costs up to your coverage limit.
Sitting in a Café and unintentionally spilled an entire cup of coffee over your neighbour's laptop? Voilà, this is a common case of "damaged things". But relax, we've got you and bear the financial claims up to your coverage.
This is a little less obvious but still likely to happen: Imagine you’ve boxed in someone’s car, and this results in him or her missing a flight. This is a class “causal connection.” In this case of “financial loss” we cover the financial claims for a new ticket – and potential accommodation expenses too.
Make sure your whole family is covered. Simply switch on coverage for your partner or kids when buying your policy.
Want to make sure you are extra safe? Try out our "Rented Vehicles" and "Top of the Topps" additional coverages.
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.
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.
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.
In general, dogs are not covered by your private liability insurance. You would need a separate insurance for that called pet owner's liability insurance for dogs which we also offer at Coya. 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.
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!
The insurance covers statutory liability, e.g:
Coverage (topping) Rented and hired vehicles (if purchased):
Coverage (sprinkles) Top of the Topps (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:
