Coya

Coya was a Berlin-based insurtech startup founded in 2016, offering digital, paperless insurance products such as home contents, personal liability, pet health, and bike theft coverage. Operating as a full-stack insurer licensed by BaFin, Coya provided customers with the ability to manage policies and claims entirely online, eliminating the need for traditional brokers. In January 2022, Coya was acquired by French insurtech Luko in a 100% share deal, enabling Luko to obtain a German insurance license and expand its European presence; Coya was subsequently rebranded as Luko Insurance AG.