What's your bike worth?

Karl insures your bicycle or E-Bike along with all parts permanently attached to it, like lights, bell, saddle, kickstand, mudguards, and even your bike lock, if you've uploaded the receipt and included the amount in the insurance sum.

If you have your custom bicycle or E-Bike assembled with high-quality parts, we offer the ideal insurance coverage for that too. In the event of a claim, you'll receive the full (new) price of the part even after years. When signing up, you can specify the sum of all individual parts (frame, fork, wheels, hubs, etc.) as the insurance sum and upload up to 8 individual receipts. If you need more space, you can simply send the receipts to us at hallo@karlbikes.com, and we'll sort it out for you quickly.

Karl also covers "wear parts" as long as a sudden event causes the damage. A broken derailleur is insured just like a burst tire. However, Karl does not cover ordinary wear and tear. Replacing a worn-out tube after a season because you'd like a new one is not something Karl can cover. The same applies if your E-Bike's battery no longer performs as usual without an external cause. This replacement cannot be claimed with Karl; it falls under the manufacturer's warranty.

Always with a suitable lock to a fixed, immovable object such as a bike rack or lamppost, so that your bike can't simply be carried away. This applies everywhere, whether in the basement, the park or outside a café. Otherwise, theft isn't covered.

• The lock encloses the frame and ideally also a wheel.
• The object is firmly anchored and can't be easily removed or dismantled.

How sturdy the lock must be is explained under "Which bike lock is sufficient?".

It comes down to the lock's purchase price. Depending on your bike's value, it must be at least:

• up to €500 bike value: €29
• up to €2,500 bike value: €45
• above €2,500 bike value: €69

Simple cable or spiral locks don't count, even if they cost that much. Also look for sturdiness: a good lock can't be cut with simple tools like pliers or wire cutters, only with heavy tools like a bolt cutter or an angle grinder. Sturdy U-locks, folding locks or solid chain locks usually manage that.

The manufacturer's recommended retail price (RRP) also counts as the purchase price, so a lock you got on sale is fine.

Your bike must also always be locked to a fixed object, see "How do I lock my bike correctly?". We also recommend a second lock of a different type for extra theft protection.

Our lock guide shows you which lock suits your bike, with a lock finder and tested models.

We always recommend our customers insure the new price you just paid. If you then treat yourself to a few extras or even have a complete bike or e-bike custom-built, the insurance sum should also cover all attachments and extras. It’s important that you send us the invoices for any extras purchased later so they’re covered too. This way, in the event of a claim, you’ll get an equivalent bike or e-bike from us.

Yes! When submitting your application, you can choose between monthly and annual payments. The annual payment is cheaper: you pay for 11 months and receive 12 months of insurance coverage – one whole month is free!

Depending on your payment method, we will deduct the premium from your credit card or bank account. Monthly payments offer you maximum flexibility with the option to cancel daily, while annual payments save you money and reduce administrative hassle.

You can cancel your contract at any time directly in your account here. Select the relevant policy and tap "Cancel insurance policy". Cancellation takes effect at the end of the current insurance period, and you stay covered until then; there is no refund for the current period. Within the first 14 days after signing, you can instead withdraw, as long as you haven't reported a claim by then, and get a full refund of your premium.