When you sign up for insurance through our website or on-site with our Karl partners, you can specify your desired insurance value. We recommend insuring the new value you just paid. The maximum amount you receive in a claim decreases each year. In the first year after signing up, you receive 100% of the insurance value in the policy, in the second year, you receive 80%, and from the third year, you receive 70%.

This only applies to total loss claims. If, for example, you damage your fork in a fall in the third year and it needs replacing, you receive the full value. The same applies to all partial damages. Up to the maximum amount (depending on the year the damage occurs, 100%/80%/70% of the insurance value in the policy), all damages are fully covered by Karl.