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Have you read our homepage? Checked out the reviews on Google? Was Karl recommended by your trusted bike dealer and are two of your friends already on board? Too good to be true? What's the catch? Who are they anyway?

Got questions? Karl's got the answers.

Karl, what’s that?

  • Why should I insure my bike with Karl?

  • Who is behind Karl?

    Who is behind Karl?

    Everything that makes Karl—helpfulness, friendliness, and even its appearance—is thanks to Engimono GmbH. Engimono GmbH develops and markets focused insurance solutions in various fields. To ensure reliability and security, Helvetia Global Solutions Ltd, one of the most respected and solid insurers, is the risk carrier behind Karl.

    Your insurance policy is with Helvetia, not us, and Helvetia will be around for decades... just in case you’re worried about whether we as a startup will still be here in three, five, or ten years.

    Engimono GmbH acts as an insurance broker with binding authority for the insurer regarding the offered bicycle insurance and is authorized to offer and conclude the insurance product on behalf of Helvetia Global Solutions Ltd (Liechtenstein).

  • What happens to my insurance if you’re no longer around?

  • How can I contact Karl?

  • How does Karl handle your data?

  • How do I get Karl?

Signing Up

The Insurance

Your Responsibilities

In the event of a claim

Karl Fahrradversicherung