If your bike gets stolen, you get a new one. That's not advertising, that's Karl.
Karl insures your bike against theft, damage, and more. 85% of our customers whose bike was stolen are back in the saddle in less than 12 hours.
— from just 6,08 € per month
Official Austrian Partner of
Our reliable risk carrier
What Karl costs
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per month
€ 84,00 billed yearly
1 month saved
Pay with ...
Coverage
One plan. Everything included.
Worldwide Coverage
No matter when or where you're riding, Karl has you well covered – not just in the basement.
Almost everything is covered
Theft, damage, fire, water, natural hazards, falls, etc. There are only a few exceptions – all with no deductible.
No Hidden Clauses
You don't need to be an insurance expert to understand our coverage. The contract is written in plain language.
Fast & Fair Replacement
You get the same bike from the dealer where you bought it – the purchase price is adjusted over time.
Cancel anytime
If you no longer want to insure your bike with Karl, you can cancel at any time — no questions asked.
Flexible Payment
Pay your premium in easy installments — automatically, monthly, or yearly. No hassle, no stress.
😉 If you want to know everything about Karl,
you can read our insurance terms .
Customers about Karl
Get to know us.
Find more reviews on our Google Business Page
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How Karl ticks
Honest and helpful like you!
If your bike gets stolen outside the café or you damage it during training, insurance can either make the hassle of bureaucracy and slow claim handling even worse or stand by your side and try to at least compensate for the loss financially.
Insurance should be a fair partnership between you as the customer and the insurance company, protecting you from financial losses and risks. We want our products to help insurance be seen again as what it originally was: help when things aren't going so well.
Frequently Asked Questions
These are the most common questions.
Do I always have to lock my bike?
Whether in the basement, park, café, or at the bike rack – your bike must be secured with a lock and, if possible, attached to a fixed object.How can I report a claim?
You can do this easily by logging into our website log in and then clicking on Report a Claim.
Can I insure my used bike too?
Yes. As long as the bike is in good condition.
What kind of lock do I need for my bike?
Your bike must be adequately secured. As a guideline, the lock should cost at least 5% of the bike's value or €30, whichever is higher. If the lock falls well short of this, coverage does not apply.
Find more questions and our answers on the
FAQ page.
What's next?
Insure now and enjoy freedom.
We'd love to have you on board. If you have any questions, just write to us at hallo@karlbikes.com. Ready to get started? hallo@karlbikes.com
