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 6,83 € 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.
Weltweite Deckung
Egal wann und wo du mit deinem Rad unterwegs bist, Karl hat dich gut abgesichert – nicht nur im Keller.
Fast alles ist versichert
Diebstahl, Beschädigung, Feuer, Wasser, Naturgefahren, Stürze, etc. Es gibt nur wenige Ausnahmen – alles ohne Selbstbeteiligung.
Keine versteckten Klauseln
Du musst kein Versicherungsexperte sein, um unsere Deckung zu verstehen. Der Vertrag ist klar formuliert.
Schneller und fairer Ersatz
Du bekommst das gleiche Rad vom Händler, bei dem du es gekauft hast – der Neupreis wird zeitlich angepasst.
Jederzeit kündbar
Wenn du dein Rad nicht mehr bei Karl versichern möchtest, kannst du jederzeit ohne Angabe von Gründen kündigen.
Flexible Zahlung
Du zahlst deine Prämie bequem in Raten automatisch, monatlich oder jährlich – du musst dich um nichts kümmern.
😉 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
Highlights reflect emphasis in the original.
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
