New bike, lock included, and you still don't feel good about leaving it outside.
👋 Karl insures that and much more, and gets you a new bike within a day if it ever goes missing – 85% of customers whose bike was stolen are back in the saddle in less than 12 hours.
from just 6,00 € per month🎉
It feels good and it's worth it.
Thank you thank you thank you. I'm thrilled!
Exceptionally good, I've recommended you.
Official Austrian Partner of
Our reliable risk carrier
What Karl can do
The essentials at a glance.
Worldwide Coverage
No matter when and where you're riding, 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 hidden clauses
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 original 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 a reason.
Monthly payment
You pay your premium conveniently in small monthly installments automatically – you don't have to worry about a thing.
😉 If you want to know everything about Karl,
you can read our insurance terms .
What Karl costs
Prices you can show off.
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 Euros 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 knights with the best conscience, and it's very reassuring to know that the bike is insured like this! If more 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 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 websitelog inand 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?
Karl only insures your bike against theft if you use a bike lock of category Abus 6 or higher (or an equivalent product from another brand). If your bike is stolen without using such a lock, there is no coverage.
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
