Popping off your comment, to recommend EU customers stay clear of Coya insurance.
Under Coya (Berlin based) they were amazing: cheap, responsive, helpful. Then post-pandemic they were acquired by Luko (a French firm), and their reliability and communicability dropped considerably (read: mass layoffs, AI chatbot hell, all claims via App, website just for decoration). It took 11 months to resolve a small incident, where they knew that 1 month longer and I could have legally sued them. As of last week, they've since been acquired by GetSafe; likely meaning even more layoffs.
TLDR, stay clear from: Coya, Luko, GetSafe
Your insurer should be somebody you can just phone up, though I know how hard that is for non natives.
GetSafe apparently has runway for another year, right now (a friend of mine interviewed, and the recruiter let on). I've used them for a couple of years, but probably wouldn't open an account with them now. They're generally OK, but for a while, kept trying to push their crappy private pension on me via cold calls.
Under Coya (Berlin based) they were amazing: cheap, responsive, helpful. Then post-pandemic they were acquired by Luko (a French firm), and their reliability and communicability dropped considerably (read: mass layoffs, AI chatbot hell, all claims via App, website just for decoration). It took 11 months to resolve a small incident, where they knew that 1 month longer and I could have legally sued them. As of last week, they've since been acquired by GetSafe; likely meaning even more layoffs.
TLDR, stay clear from: Coya, Luko, GetSafe
Your insurer should be somebody you can just phone up, though I know how hard that is for non natives.