Take the tension out. Karl insures your bike.

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.

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.

Yes. Karl insures used bikes too — what matters is the bike's condition and purchase price, not its age. A purchase contract or invoice is enough as proof of value; you don't need the original receipt from when the bike was first sold. If you have questions about your second-hand bike, just drop us a line at hallo@karlbikes.com — we're happy to take a look.