New bike, lock included, and yet you don't feel good about leaving it outside.
👋 This and much more is insured with Karl, and you get a new bike within a day if it gets stolen – 85% of all customers whose bikes were stolen are back in the saddle in less than 12 hours.
from only 6,00 € per month🎉
It feels good and it's worth it.
Thank you thank you thank you. I'm thrilled!
Absolutely great, I've recommended you.
Official Austrian Partner of
Our reliable risk carrier
What Karl can do
The most important things at a glance.
Worldwide coverage
No matter when and where you are with your bike, Karl has you well covered – not just in the basement.
Almost everything is insured
Theft, damage, fire, water, natural hazards, falls, etc. There are only a few exceptions – all without deductible.
No fine print
You don't need to be an insurance expert to understand our coverage. The contract is clearly worded.
Fast and fair replacement
You get the same bike from the dealer where you bought it – the new price is adjusted over time.
Cancel anytime
If you no longer want to insure your bike with Karl, you can cancel at any time without giving reasons.
Monthly payment
You pay your premium in convenient small monthly installments automatically – you don't have to worry about anything.
😉 If you want to know everything about Karl,
you can read our insurance conditions .
What Karl costs
Prices that speak for themselves.
Insurance value | Monthly premium |
|---|---|
| 0 – 1.000 | 6,00 |
| 1.001 – 1.500 | 6,00 |
| 1.501 – 2.000 | 7,50 |
| 2.001 – 3.000 | 7,50 |
| 3.001 – 4.000 | 10,00 |
| 4.001 – 5.000 | 15,00 |
| 5.001 – 6.000 | 15,00 |
| 6.001 – 7.000 | 20,00 |
| 7.001 – 8.000 | 20,00 |
| 8.001 – 9.000 | 25,00 |
| 9.001 – 10.000 | 25,00 |
| 10.001 – 11.000 | 30,00 |
| 11.001 – 12.000 | 30,00 |
Insurance value | Monthly premium |
|---|---|
| 0 – 1.000 | 8,50 |
| 1.001 – 1.500 | 10,00 |
| 1.501 – 2.000 | 12,50 |
| 2.001 – 3.000 | 16,50 |
| 3.001 – 4.000 | 24,00 |
| 4.001 – 5.000 | 31,50 |
| 5.001 – 6.000 | 35,00 |
| 6.001 – 7.000 | 40,00 |
| 7.001 – 8.000 | 45,50 |
| 8.001 – 9.000 | 51,00 |
| 9.001 – 10.000 | 54,50 |
| 10.001 – 11.000 | 60,00 |
| 11.001 – 12.000 | 65,00 |
Premiums in Euro including insurance tax for Austria.
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Customers about Karl
Get to know us.
I'm speechless, I can and will recommend this service to all pedal riders with the best conscience, moreover it's very pleasant to know that the bike is insured this way! If further insurance services are offered in the future, there can only be a switch to you.
Find more reviews on our
Google Business Page
How Karl ticks
Honest and helpful just like you!
If your bike is stolen in front of the cafe, or you damage your bike during training, insurance can either make the hassle worse through bureaucracy and slow claims processing, or stand by your side and try to at least compensate for the loss financially.
Insurance should be a fair working partnership between you as a customer and the insurance company that provides you with protection against financial losses and risks. We want to contribute a little with our products to ensure that insurance is perceived again as what it originally was: help when things don't go so well.
Frequent questions
This is what is asked most often.
Do I always have to lock my bike?
Whether in the basement, park, café or on 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 simply by logging in to our website and then clicking on report claim.log in
Can I also insure my used bike?
Yes. As long as the bike is in good condition.
Which lock do I need for my bike?
Karl only insures your bike against theft if you use a bicycle lock of category Abus 6 or higher (or an equivalent product from another brand). If your bike is stolen without you having used such a lock, there is no coverage.
More questions and our answers can be found on the
frequently asked questions page.
What's next?
Insure now and enjoy freedom.
We would be happy to have you on board. If you still have questions, just write to us at hallo@karlbikes.com. Ready to get started? hallo@karlbikes.com
