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Claims

What happened, happened.We'll take care of it.

Report your claim right away, even if documents are still missing. You can send them later.

Report a claim

Rather talk? Call us: +43 670 308 3703

First things first

  • Report within 72 hours

    Right away, at the latest 72 hours after you found out about the damage.

  • Theft? Police first

    We absolutely need a police report, such as the confirmation of your report. If that's not possible, for example abroad, say so in your claim.

  • Take photos, keep receipts

    You have to prove the damage to us. Photos, invoices and receipts help with that.

If you don't meet these duties, we can reduce or refuse payment, unless it's not your fault.

Right now

What happened?

Pick one and you'll see what to do now.

Your bike is gone

  1. Go to the police

    File a report and ask for a confirmation. We absolutely need it. If that's not possible, for example abroad, say so in your claim.

  2. Have the frame number ready

    The police will ask for it. You'll find it in your Karl account or on the purchase receipt.

  3. Write down what you know

    When and where you last saw your bike, and what it was locked with.

  4. Report it to us within 72 hours

    Online in your Karl account or by email. Anything missing, you send later.

    How to report

A theft is covered if your bike was locked to a fixed object with a suitable lock. Cable and spiral locks don't count. Which lock is enough?

Report

How to report

What you'll need

  • What happened, when and where
  • Photos of the damage
  • For a theft, the confirmation of your police report
  • Receipts, for example for a taxi, and a repair estimate if you have one
  • Whether another insurance also covers the damage, such as your home contents insurance
  • Your IBAN, in case we transfer money to you

Something missing? Report anyway, and send the rest later.

Online, in a few minutes

Log in to your Karl account and open the claim form. We've already filled in a lot for you.

Go to the claim form

Prefer email?

Tell us what happened, when and where, and attach photos and documents.

hallo@karlbikes.com

After you report

What happens next

You get a confirmation right away. Your claim is usually processed within a day.

  1. 1.Confirmation

    Right after you report, we confirm that we're taking care of it.

  2. 2.Processing

    We review your report. With photos and documents it's even faster — usually within one day.

  3. 3.Approval

    We'll inform you by email or phone about the result.

  4. 4.Repair or replacement

    Go to a bike dealer: get a repair or pick a new bike. In case of total loss, you'll get an equivalent model.

  5. 5.Payment

    If the dealer is a Karl partner, we pay them directly. Otherwise, we'll transfer the amount to you.

Your coverage

What you get

Depending on the damage, we decide whether to pay for the repair, replace your bike with an equivalent one or pay out the sum insured.

  • Repair

    We pay for repairing your bike.

  • Replacement

    A bike that matches yours in type and condition.

  • Payout

    The agreed sum insured.

Maximum amount

Share of your sum insured

  1. 1st year after purchase100 %

  2. 2nd year80 %

  3. from the 3rd year70 %

How much we pay at most depends on when you bought your bike. Up to that amount, we also cover repairs in full.

Example: your bike is insured for €3,000 and is stolen in the second year after purchase. We then pay up to €2,400.

Getting home or onward
up to 10 % of the sum insured
For public transport or a taxi if you can't ride on after an insured damage. With an invoice or receipt.
Rental bike on trips
up to 14 days, at most €25 a day
If you can't ride on during a trip after an insured damage. Up to 10 % of the sum insured in total.
Carbon
up to €4,000 per claim
For own-fault and crash damage to carbon parts such as the frame, fork or wheels.
Excess
€0
We don't deduct anything from what we pay.

Good to know

Frequently asked questions

  1. How can I report a claim?

    After you log in, you'll find the claim form. That's the fastest way for us to help you.

    Report every claim to us immediately, no later than 72 hours after you become aware of it.

    For a theft, we absolutely need a police report, such as a report confirmation. If that isn't possible or doesn't make sense, for example because your bike was stolen abroad, tell us in your claim report, by form or email. You can send the police report once you're back home.

    If you claim costs for getting home or continuing your journey, send us the invoices or other receipts so we can reimburse you.

  2. What should I consider when reporting a claim?

    If you report the claim via our homepage, the claim form will ask you everything we need to know to quickly handle the claim for you. Just upload the documents and you'll be back in the saddle soon. If you prefer to send us an email, you can also provide the information that way. We need complete (as long as necessary, as short as possible) details about the claim. What happened, when, and where? Additionally, if possible, please provide an initial assessment of whether a repair is sensible and if you've already obtained a cost estimate.

    To process a theft claim for you, we need a police theft report and notification to us within 72 hours. If your bicycle or E-Bike is stolen abroad, it can be difficult to get a police report. If that's not possible or doesn't seem sensible, it's enough to report it to us by email and then provide the theft report once you're back home. If you're claiming costs for the return/continuation of your journey, you must prove the incurred costs with an invoice or other receipts so we can reimburse you.

  3. How long until I hear from Karl?

    If you reported the claim through our homepage, you'll immediately receive confirmation from us that the claim has been reported and that we are handling the process. Since every claim is unique, we will tailor our claims handling to your specific needs and do our best to get you back in the saddle quickly. In collaboration with our Karl partners, we usually resolve claims within a day, so you can immediately get a new bike or E-Bike, or order the repair of damaged parts.

  4. How do I prove my bike was locked if the thief takes the lock too?

    Of course, we cannot verify if your bike was secured with an adequate lock. In this case, we trust that you act according to our contract conditions and that your statements are truthful.

  5. What happens to my bike or E-Bike in the event of a total loss?

    Once Karl has reimbursed you the insured value according to the policy, the damaged bike or E-Bike belongs to the insurance. You must generally make the bike or E-Bike available to us. We will resolve this with you in the event of a claim without making the situation worse for you. Legally, we just need to inform you 😊 If your bike or E-Bike was stolen, this obligation naturally does not apply. However, if your stolen bike or E-Bike reappears, we ask you to inform us. It then belongs to the insurance.

  6. Will my premium increase after a claim?

    We will not automatically increase your premium after a reported and processed claim. However, your claims history will be considered when it comes to continuing to insure your bike or E-Bike with Karl. We will review this on a case-by-case basis, and there are no "automatic adjustments."

    If your bike or E-Bike is permanently lost or destroyed, the insurance contract automatically expires, as there is nothing left to insure. Of course, you can take out insurance with Karl again for your replacement bike or E-Bike.

All questions and answers

Contact

Rather talk?

A tipped-over cargo bike in the park, its owner on the phone behind it

Call us or write to us, we'll help you out.

Report now