Your insurance is active as soon as you receive an email from us with your insurance policy. If you sign up on-site with one of our Karl partners, you usually have the email in your inbox before you even roll out of the shop with your new bicycle or E-Bike. So, you're already insured on your way home. If you mistyped your email address or if there was an issue with the payment, like entering the wrong credit card number, you won't receive a policy, and we'll notify you that something went wrong. Once you have a policy, you know everything went smoothly, and your bicycle or E-Bike is insured.