To quickly organize a new bike for you in the event of a claim, we handle the damages directly with our Karl partners, i.e., the dealer where you bought your bicycle or E-Bike. We will always try to get you the same or an equivalent bicycle or E-Bike (you decide if it's equivalent in case of doubt). You can also use the credit you have from the claim with our Karl partner for a new, higher-quality bicycle or E-Bike. You will need to pay the difference for the higher price, and we will cover the rest.

Only in absolute exceptional situations—e.g., because a corresponding bicycle or E-Bike is no longer available—will we pay out the credit to you. At Karl, we want you back in the saddle quickly, so the insurance money should be used for a new bicycle.