[tetris11]

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.

[jamil7]

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.