If your card expires, is stolen or lost, your account doesn't have sufficient funds, or for any other reason we can't collect the premium, you'll receive an email from us with a unique link where you can change your payment method. If we're able to successfully debit on the next attempt (we always try automatically), you won't receive another email. If it still doesn't work, you'll get another email from us.

If we're unable to collect the premium for more than 14 days, the insurance with Karl ends. You'll receive a notification from us that the contract is terminated and no insurance coverage exists anymore. Even without this notification, there is no insurance coverage, and we will not collect any further premiums from you.