Coya 

I have Coya’s liability insurance subscription and I had an accident with a rented car last summer. The rental company hasn’t sent me a bill, but several months later I received a letter saying that I had to transfer big amount of money (> 3000 EUR) by the end of next week otherwise they’ll sue me (I had the car insured with other insurance company). I reached Coya, specifically Jonas Pandjeli one day before the deadline. He got into my
position and quickly redirected my case to the lawyer from the Coya side. I received instructions from a lawyer in a couple of hours. Because of the quick response I saved a lot of money instead of blindly transferring it to the company which threatened to sue me!

I have been paying full protection on time for the last 6 months. I have uploaded my first claim in February, and the second two in March and April. I still haven't got a reply (only generic automatic no-reply email). In addition, I sent multiple emails to them, and I am still waiting for their first reply. Recently, they updated their system to a chatbot instead of manually uploading claims, and I hoped that will improve their service, but unfortunately everything stayed the same. Since they already owe me more that 300eur, I feel that the only way is to call my lawyer, provide him all receips and confirmations of my on-time payments, and let him call them directly. Horrible!!!

they were very quick in the subscription process but they take weeks for claims. i have sent them emails now for month and no reply . i followed up several time but same challenge.

the service provided by the company is great and i would suggest it

The service is very slow, they take a long time to answer to e-mails about your claim. I had to call the customer service several times, and I received contradictory information while doing it. Fortunately at my last attempt, I managed to speak with someone more professional, who helped me and made some pressure with the "claims team" to deal with my claim. I am satisfied with the result, and that's why I am giving them 3 stars, but the service is far from good. There is a lot to improve. Also, don't trust the 5 star reviews of people based on the sign up process, because we should never review an insurance company based on that, at least without having first some kind of claim/personal contact.

Exceptionally bad service. If you read Coyas reviews on its own site it completely gives a wrong impression of the business. I have waited over a month for a simple claim, and rather than settling this the team has responded with passive-aggressive school bullying tactics because my claim happened to take place shortly after taking my policy out. Even with proof that the event happened, I am still waiting for a response. Each email takes over a week to be looked at and this process just drags on and on. Please please read the many more negative reviews about this company before taking insurance out with them. Even Olga on customer service sounds like she has lost the will to live because she must get so many complaints daily. AVOID!

Very slow service. At least a week to reply an inquiry, sometimes 4 weeks. Damage should be covered according to the policy but was just partially reimbursed.

It was quite easy and hassle free to apply a liability insurance through Coya. As I was able to choose the language as English really helped me to understand everything more clearly.

Chose Coya mainly because it's available in English. Seamless experience in signing up and there's a good amount of variety in terms of products.

They solved a problem with my pet very quickly, without requiring a lot of detailed information or questioning the origin of the accident. I am sure that in a more traditional insurance company it would have taken me much longer to get a solution if I would have had one at all. I am in my second year insured with Coya and I am very satisfied.

Clear benefits and easy application process. Benefits packet layout and readability is excellent, and value for the money provides peace of mind.

Fantastic service.
When reporting a damage, the support on their side was fantastic in trying to speed up the process as much as possible.
After the report was done, I did not have to do a thing; they have arranged a technician to come and evaluate the damage and, again, to come and fix it. Plus, they took care of handling all the paperwork with him.
I could not recommend it more.

I just signed up for this insurance. The web page is really good and they answered my questions. I will recommend it to my friends. I have heard that they respond quickly to claims.

A quick and kind resolution of my request, as well as a detailed explanation on my questions. I'm very satisfied with coya's services so far. Thanks Coya

Amazing service, works as expected, I got a positive response to my claim very quickly (less than 2 days). They speak perfect English so it's a great service for expats. I hope I won't have to use it too much but it's a great feeling when I know I don't have to worry about my pet or my apartment. Thanks!

I had an absolutely fantastic experience with the customer service at Coya (special shout out to Rabea). Not only do they speak perfect English, but they are unbelievably fast at returning my call and made me feel very assured and taken care of during a very stressful situation. I would especially recommend this insurance to any Expat who needs all their insurances under one company that doesn't stuff you about when you need them most!

I haven't had to use it yet to claim thank God but it was super easy to sign up & insure my bike

Quite satisfied with how Coya handled my clai. Very straightforward, no complications. I would highly recommend this company.

Our dog got bitten by another dog. Coya covered all expenses within a week. We're very happy with the customer service.