General Terms and Conditions

As an insurance agent, we can exclusively offer you products from the insurance companies we represent. We do not conduct a market-wide analysis and cannot mediate products from other insurers to you. Should you desire a comprehensive market comparison, we recommend you additionally consult an independent insurance broker.

We only mediate the insurance contract for bicycles offered on our website. For the purposes of these General Terms and Conditions and our insurance products, the term bicycle also encompasses e-bikes, e-scooters, pedelecs, and cargo bicycles. Our mediation is limited to theft and comprehensive insurance for these bicycles. Please refer to the respective insurance conditions of the insurer for exact definitions and insurable bicycle types.

Ongoing review, processing, or servicing of your other insurance policies must be agreed with us in writing on a case-by-case basis. In principle, we cannot assume liability for contracts not concluded through us.

As you have the best knowledge particularly regarding insurance values, we rely on the information you provide. You must therefore disclose all data relevant for the desired insurance coverage truthfully and completely. For this purpose, you will be asked several questions before you can conclude the coverage. Should any of this data change (e.g., your address), you must notify us immediately and unprompted in writing so that we can forward the change to the insurer.

Upon contract conclusion via our website, you expressly acknowledge that the questions you have answered and your consent to premium deduction replace all other potentially prescribed documents (particularly the insurance application, questionnaires, etc.) and you will therefore not invoke the absence of these documents in the event of a claim.

You can pay the insurance premium either monthly or annually. With annual payment, the premium is discounted compared to monthly payment.

Please note that when choosing annual payment, there is no pro-rata refund if you cancel the contract during the year or if the insurance ends prematurely for other reasons. This applies particularly when the insured bicycle is lost after a claim, can no longer be used, or the insurance is terminated for other reasons. Already paid annual premiums are forfeited without replacement in this case.

Premium collection occurs according to your chosen payment method (monthly or annually) based on your consent to the SEPA direct debit mandate or another payment method accepted by us.

We receive commissions from insurance companies for our mediation activities, which are already included in the insurance premiums. The type of our compensation may include commissions, portfolio maintenance commissions, and/or performance-related benefits. This compensation structure may represent a conflict of interest, as we are economically dependent on the insurance companies. Upon request, we will gladly share further details about our compensation.

As insurance agents, we are only liable for intentional or grossly negligent breaches of duty within the scope of our mediation activities. Liability for proper fulfillment of the insurance contract lies with the respective insurance company. We cannot assume liability for damages due to slight negligence. All non-amendable provisions apply, of course, particularly those of the Consumer Protection Act (KSchG). For damages due to gross negligence, we are only liable up to a maximum liability limit of EUR 360,000, insofar as no provisions of the KSchG contradict this.

You must in any case notify us immediately of any claim so that we can forward it to the insurance company. Claims processing is carried out by the respective insurance company. We are happy to support you with claim notification, but the final decision on claims settlement is made by the insurer.

Claims for damages against us expire 6 months after you became aware of the damage and the party causing the damage, but at the latest if you have not asserted a claim against us in court within 3 years.

To secure you and your claims, we have taken out professional liability insurance in accordance with the legal requirements for insurance intermediaries with a sum insured of at least €600,000 and can provide documentary proof of this if desired.

We are registered in the trade register under GISA number 38564536. You can verify our registration at www.gisa.gv.at. We are a member of the Austrian Economic Chamber, company register number: 586598w. We are subject to the supervision of the Austrian Economic Chamber and limited supervision by the Financial Market Authority (FMA).

Your data is stored and processed according to the GDPR 2018. All information on data protection and your rights regarding your data can be found under "Data Protection" on our website. By consenting to these General Terms and Conditions, you expressly agree that your personal data may be used in an automated manner by Engimono GmbH for handling all activities related to the conclusion of your bicycle insurance and may be passed on to the respective insurance companies.

You also agree that we may involve third parties, particularly our employees, but also partner companies in the EU & EEA area as well as Switzerland and the UK when necessary, for handling all activities related to the conclusion of your bicycle insurance, taking into account legally prescribed data protection.

For complaints about our mediation activities, you can contact the following bodies:

• Engimono GmbH: Parkring 18/4, 1010 Vienna, Austria; hallo@karlbikes.com
• Austrian Economic Chamber, Professional Association of Insurance Agents
• Financial Market Authority (FMA) for supervisory matters
• Internet Ombudsman for online disputes: www.ombudsmann.at

Changes or additions to these General Terms and Conditions and all other agreements concluded between us and you must be made in writing.

If individual points of these General Terms and Conditions or other agreements concluded between us and you are invalid due to legal regulations or other reasons, this does not mean that the remaining points or the entire agreement are invalid.

The place of performance is the location of our competent branch office, the place of jurisdiction is the court with subject-matter jurisdiction at this location, in each case insofar as no provisions of the KSchG (Consumer Protection Act) conflict. These General Terms and Conditions and all other agreements concluded between us and you are expressly subject to Austrian law.