53,500
Bikes stolen since 2020 across Austria
Insurance that fits you as perfectly as your bike.
It's one thing to feel safe on your bike, it's another whether your bike feels safe when you've parked it, and it's everyone's nightmare to return to an empty bike rack.
Hard Facts
The most common types of damage.
Theft
Including lock — if your bike is stolen despite being secured.
Flat Tire
Caused by road conditions like potholes or glass shards.
Buckled Wheel
In the tire from an accident or fall.
Vandalism
Slashed tires and malicious damage.
Battery Theft
E-bike battery stolen — also covered separately.
Questions and Answers
Things that might be on your mind.
Is insurance even worth it?
Let's say you get a flat tire within 3 months. That alone makes it worth being insured. Not even mentioning total loss or theft.
Is insurance expensive?
Not more expensive than your Netflix, Amazon Prime or Spotify Premium subscription. For example: An e-bike worth €1000 is fully insured for €6 per month.
What's covered?
Many insurance policies only cover theft. We cover pretty much everything – except normal wear and tear – as long as there's a claim event.
What happens when I file a claim?
You report the damage, we take a look at it, and usually you'll get approval for the cost coverage on the same day.
How do I find the right insurance for me?
Since there are way too many options out there these days and you can't really tell which ones are trustworthy or legit – let us come recommended.
Good to know
Everything you need to know about Karl bike insurance.
Premium & Coverage Amount
Your monthly premium is based on your coverage amount. The lower the sum to be insured, the lower your premium.
Report theft
If your bike was stolen, you can report it even before you've been to the police, as long as you submit the police report afterwards.
Bike lock
Every bike insurance will be interested in your bike lock. A rule of thumb: purchase price at least €49.
Right to compensation
Your right to compensation doesn't expire once the claim exists.
Frame number
The frame number helps identify your bike, and sometimes even helps find it again!
Damage documentation
It's always beneficial for everyone involved if you've documented the damage with photos.
Used purchase & purchase agreement
If you buy a bike second-hand, make sure you get a purchase agreement. At the latest when it comes to a claim, your insurance will ask for some kind of proof of purchase.
Zahlungsmethode
Achte darauf, dass deine hinterlegte Zahlungsmethode belastbar ist, denn wenn der Einzug abgelehnt wird, dann verlangt die Bank 7,50 €.
Fahrrad- vs. Haftpflichtversicherung
Achtung, Fahrradversicherung ist nicht Haftpflichtversicherung. Bei den einen hast du den reinen Gegenstand versichert, bei den anderen einen komplexeren Sachverhalt.
Was du brauchst, um dein Rad zu versichern.
- Persönliche Daten
- Hauptwohnsitz in Europa
- Fahrrad Modell Bezeichnung
- Rahmennummer
- Fahrrad Wert
- Fahrrad Rechnung
- Gültige Kreditkarte oder Girokonto
Was du nicht brauchst, um dein Rad zu versichern.
- Verpflichtend einen Fahrradhelm; wir legen es dir aber nahe
- Fahrradschloss für 200€
- Fotos von deinem Rad hochladen, wenn es neu ist
- Die Bestätigung, dass dein Schloss konform ist
- ein eigenes Kellerabteil
- Im Fahrradabstellraum einen fixen Gegenstand montieren
- eine Haushaltsversicherung
Glossar
Was muss ich bei einer Fahrradversicherung beachten?
- Polizze
- your contract with us
- Claim Reporting Deadline
- 72 hours from the time of discovery
- Cancellation Period
- cancel anytime you want
- Insured Sum
- total value of all items covered in your insurance policy
- Fixed Object
- cannot be moved by physical force alone (e.g. street lamp)
- Covered Extras
- everything listed on the receipt that's permanently mounted on your bike and included in the insured sum
- SEPA Direct Debit Mandate
- permission for us to deduct the monthly premium directly from your account
Partner Testimonials
Can I trust Karl?
Thanks to Karl's quick communication, we usually already know about your claim before you even enter our shop. That's top-notch service for everyone involved.
Theresa Ferstl
Head of Marketing
Bernhard Kohl
You don't have to be called Karl to love Karl - The friendliest bike insurance for every situation.
Gernot Frank
Managing Director
Citybiker
We've been working with Karl Insurance for years, and in our opinion there's no insurance company that acts more professionally and pays faster than this one! Highly recommended!
Martin Zeiler
Owner
Roadbiker
So wonderfully uncomplicated. Karl is awesome!
Florian Posch
Owner
Posh Cycling
With Karl, we have a partnership where we really appreciate the smooth process, reliability & speed! And we can offer our customers a brilliant addition to their bike purchase!
Sebastian Zahlbruckner
Managing Director
Nora Pure Sports
Quick and uncomplicated process! Personally reachable!
Wolfgang Resch
Owner
Ginner
We've been working with Karl Insurance for quite some time now and we're very satisfied! Thanks to the smooth and fast processing, we recommend Karl to our customers.
Maximilian Gschnell
Marketing Manager
Sanvit
Our customers are very happy with Karl. We especially appreciate the straightforward handling directly with the customer and equally so in case of a claim on our end.
Martin Dösel
Managing Director
Eviva Sport
Get insured
Insure your bike in 1 minute and ride on with total peace of mind.
