Coya 

BIG TIME SCAM !!
SAY NO TO COYA !
1) THEY DONT COVER RENTAL APARTMENTS DAMAGES
2)THEY MENTIONED RENTAL APARTMENTS IN THEIR CONTRACT ZILLION TIMES BUT VERY SMARTLY ADDED A CLAUSE SOMEWHERE THAT RENTED PROPERTIES ARE NOT COVERED , BASICALLY PLAYING AROUND WITH PEOPLE MONEY AND TIME
3)MINE WAS DEALT FOR 3 MONTHS AND REJECTED SAYING ITS NOT COVERED AFTER TAKING ALL THE RELEVANT PROOFS AND DOCUMENTATION
4)HAVE ALREADY SEND THEM THE SCREENSHOTS OF MY AGREEMENT THAT THIS IS COVERED YET NO RESPONSE
5) I DONT UNDERSTAND HOW THEY ARE STILL SURVIVING IN THE MARKET OR THERE IS NO LEGAL ACTION AGAINST THEM

for the first time when you join Coya, everything looks great and straightforward. You will see the list of your insurances and other possible options. You will see the "Claim" tab with a clear "File a Claim" button. So in case of any problem you know what should do.
But all of this is just decoration! even they are work or even connected in both ways!?
Just one month because of a simple problem with my connected bank account, payment of €9.37 monthly subscription for Private Liability insurance was rejected and I got 3 emails from Coya, which does not pay this, we have to cancel your contract in 14 days. Fine, I understand and settle it manually soon as possible. SO FROM MY SIDE (TO PAY), THE CONNECTION WORKS.
But after 18 months without any claim, something happened that I claimed my first case in April 2021. until today, 24 September 2021, I DIDN'T RECEIVED ANY UPDATE OR REPLY, regarding the status of my claim. It's not even listed in the "Claims" tab!!!!!
So what? are you busy with a ton of claims? Ok understand, but 7 months for a simple reply! it's too much and not acceptable.

I can't recommend this platform and at the moment. I have already canceled my e-bike insurances (if something happens to my bikes, I can't wait for months for an answer).

I hope you doing better in the future as a company that selling a service and we have the right to use it anytime in the fastest way (as you promise during advertising)

Its been 4 months since submitted all requested documents, but refund not received yet. No possibility to reach them on call.
They keep complaining about high work load but I think 4 months is sufficient .
If they are really having this much workload, they should stop providing new insurance service till they process all the pending claims.

Scam. They haven't been answering any claim related emails and yet keep charging me every month.

My bike was stolen and I requested a claim for my bike theft with Coya. First of all, I submitted my claim with an online chatbot, which is so impressive in a way that it was so easy to follow and also interactive at the same time. So I was able to submit my claim with no issues. After then, my request was handled by Marius, who processed the claim in such a short time with no issues, really appreciate him for his hassle-free fast processing of my request. I got my claim with no issues and I would definitely recommend Coya, such a smooth and great experience with them so far.

I signed up with the company since early 2021. The only time I was able to chat with them is when I was trying to sign up. After that, they became ghosts, unreachable from every single point of contact. I tried phone, email, and chat. Can't get anything from them. I filed my complain more than 3 months ago, and I don't even get a status update. It is strange it it really looks like a scam. Even when you login to your account, there is nothing there about the claim. DO NOT SIGN UP WITH COYA!!

DON'T USE THEIR SERVICE!!! They took 5 months to process my claim and turned out NOT COVERED! so be aware if you're looking for the private liability insurance, they won't cover the cases as they advertise on the website!

It has been more 3 months,there is no updates on status on claim. On repatitive email/contact no response.
I will never ever recommend to have insurance to coya.

No customer care service, no respones...

After 6 months of ignoring they finally paid for my claim. It happenned after I wrote them yet another email with confirmation that I cancelled my contract.

Even if it is not a scam, they are just unprofessional, ignoring their customers and do not deserve any money.

In just 2 weeks they were able to solve my claim. It was too fast then expected I am really happy with coya I suggest you all to have insurance with coya.

My experiences are all positive with Coya. Very open and clear information with fair coverage pricing.

Our boiler felt on our toilets, which is a domestic accident and should be taken in charge by our Hausratversicherung. The problem is that Coya is absolutely impossible to reach. We don't have any water at home since 7 days and the only email we got from them was an email which asked for more details 5 days ago. We are completely lost and disgusted, since legally we don't have the right to touch anything before their expert comes and checks the situation. It's incredible to think that Coya can be unreachable in such an urgent case. We strongly recommend you to never ever subscribe to their services. Such a shame!

Can’t give zero stars. Scam company. Avoid at all costs.

After filing a claim there is zero transparency. You can’t find your previous claim listed anywhere in your account. You are not assigned a claim number. Everything goes silent and at their mercy. Half a year now no sound or peep from them. I will soon pursue legal means against this criminal organization.

I have filed a claim this year in February. It is August now and there is no reply on my claim still. Six month after filing it!!! I find it unacceptable to have customer support like that. Extremely unprofessional!!!

It's a scam.
They won't answer to your claims.
They just tell you to wait and in the meantime charging you every month!
I had my claim 4 months ago and still no response!

I locked myself out of my apartment on a Sunday evening and called Coya. Their "Schutzbrief" (Home and flat assistance policy that came automatically with my home contents insurance) covered the locksmith costs. Just make sure you call Coya and don't organize a random locksmith by yourself.
Coya organized the guy that showed up 2 hrs later! Great job - thank you Coya!

Great if you never need them.

But if you get your bike stolen, you're in trouble.

My electric bike was stolen over 2 months ago. Not only Coya never paid me -- they never even told me WHEN or WHETHER I'm going to be paid.

Recording the claim was easy. But after that, a total disaster. There was essentially no useful information at all. They simply say that it "might" take "several weeks" and that's it. They won't offer any sort of clarification, over email or phone. Nothing, crickets. You're on your own.

I cannot recommend them.

Claimed two files in February 2021. It's August now and didn't get any payout. Leave that alone, you can not reach them via email or phone. They're simply the worst service I have ever signed up for. I'm congratulating them for being this terrible because you really need to work hard to be this terrible. If you don't have enough stress in your life, sign up for Coya. They will surely give you enough!

Have been waiting for my claim to be processed for 7 month. No response from coya neither via email, nor telephone,

Absolutely zero customer service. Been paying our dog's health insurance for several months. Had a minor vet claim in February which is covered by the policy. Despite sending in the invoice and multiple emails, still no response at all. It's early August now. Not possible to get anyone on the phone either. AVOID