Is my bike insured at events or races?
Your insurance with Karl is valid worldwide. No matter when or where. You're insured while participating in a bike race or a triathlon. You can focus entirely on the competition.
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?
Signing Up
What value should I declare for my bike?
Can I insure an "old" bike?
I have a custom bike, does Karl insure that too?
Why does Karl differentiate between a regular bike and an E-Bike?
How old do I have to be to get insurance with Karl?
Why are E-Bikes so much cheaper?
Is there an option to insure wear and tear?
The Insurance
What is included in my Karl policy?
What is not insured with Karl?
When does my insurance start?
Is my bike insured while traveling?
Is my bike insured at events or races?
What accessories are covered?
Do I always get the new value of my bike?
What happens to the policy if something changes with my bike?
How do I pay for Karl?
What happens if a premium couldn't be debited?
How can I change the payment method?
How can I cancel my contract with Karl?
Is there a deductible with Karl?
Can I get the insurance amount paid out instead of getting a new bike or E-Bike?
Can multiple bikes be insured under one policy, or do I need a separate policy for each bike?
Is it possible to pay the premium annually, and does it become cheaper?
What happens in case of a short circuit, induction, or overvoltage regarding the battery?
Is my bicycle or E-Bike insured on the bike rack on the car?
Your Responsibilities
In the event of a claim
How can I report a claim?
What should I consider when reporting a claim?
How long until I hear from Karl?
How is my claim paid out?
Who decides if it will be repaired or replaced?
What happens if the repair exceeds the insured value?
How can I be sure I'll be satisfied with the repair or replacement result?
What happens to my bike or E-Bike in the event of a total loss?
Will my premium increase after a claim?
How do I prove that the bike was secured according to requirements if, for example, the thief takes not only the bike but also the damaged lock?
