Stay away from N26 Metal
Metal user experience: I signed up for Metal hoping it's a great way to have everyday insurance for small things such as shared car damage or my iPhone theft - WRONG! This was the worst mistake ever, I submitted a claim regarding a carsharing accident in April, it's been over 4  MONTHS and as an answer from the insurance provider I only get emails saying that they experience "a large number of claims which may delay their response".

I trusted N26 before, but this insurance service is a major SCAM. They're good only if you don't need their assistance. Luckily I "only" lost a few hundred Euros paid for the accident damages, but having learned the lesson I'm changing to more liable services now.

You just lost a young adult customer with a very big potential lifetime value N26, really bad job.