Claim reporting
What happened, happened.
We'll take care of it.
Report your claim immediately — even without documents. Police report, photos, and receipts can always be submitted later. The sooner you report, the sooner we can help.
Fast
Usually processed within one day
Fair
100% coverage in the first year
Simple
Online form in just a few minutes
Step by step
How the claim process works
- 1.
Police
In case of theft or vandalism: File a police report. If the report takes longer, report the damage to us anyway.
- 2.
Report
Report your claim online in your Karl account. It only takes a few minutes — and missing documents can always be submitted later.
- 3.
Processing
We review your report. With photos and documents it's even faster — usually within one day.
- 4.
Approval
We'll inform you by email or phone about the result.
- 5.
Repair or replacement
Go to a bike dealer: get a repair or pick a new bike. In case of total loss, you'll get an equivalent model.
- 6.
Payment
If the dealer is a Karl partner, we pay them directly. Otherwise, we'll transfer the amount to you.
Your coverage
What do you get?
We repair your bike
Your bike is professionally repaired or restored.
Or: a new bike for you
You get an equivalent bike of the same type.
Payout
If repair or replacement isn't possible: payout of the insured value
Compensation limits
Mobility guarantee
Rental bike while travelling, up to 14 days, max. €25/day
Good to know
Frequently asked questions
Report a claim
Ready to report your claim?
It only takes a few minutes. Missing documents can always be submitted later.
