If your bike gets stolen, you get a new one. That's not advertising, that's Karl.

Karl insures your bike against theft, damage, and more. 85% of our customers whose bike was stolen are back in the saddle in less than 12 hours.

— from just €4.92 per month

Underwritten by Helvetia

158 reviews on Google

Coverage

What you get. Is what you see.

Basic
Comfort
Premium
Plus
Complete
Core

Karl.

One plan. Everything included.

Worldwide ProtectionInsured, no matter where you ride your bike.
Theft, Damage, and MoreTheft, vandalism, accidents, fire, water, natural hazards – covered.
No DeductibleYou pay nothing extra in case of a claim.
Your Bike, Your DealerIn case of total loss, you get the same or a comparable bike from where you bought it.
Taxi homeIf you can't ride on, we cover the trip.
Rental bike on tripsAfter an insured damage on a trip, we pay for a rental bike for up to 14 days.
Cancel AnytimeNo reason needed, via email.
Clear TermsOur contract is written so you understand it.
Monthly or YearlySave yearly, stay flexible monthly.

All benefits in detail

😉 If you want to know everything about Karl,
you can read our insurance terms .

What Karl costs

Just enter. See instantly.

Bike value

What you paid, with all extras.

MonthlyYearly

€5.58per month

€67.00 billed yearly

Includes 8,5% Austrian insurance tax.

You save €6.20 a year.

All prices at a glance

If something happens

Three steps back into the saddle.

1. Report
Report your claim online in your Karl account. It only takes a few minutes — and missing documents can always be submitted later.
2. Processing
We review your report. With photos and documents it's even faster — usually within one day.
3. 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.

How a claim works

Customers about Karl

Get to know us.

Die beste Fahrradversicherung mit einem besonders freundlichen Team. Ich hatte dieses Jahr mehrere Unfälle und Karl hat ohne zu zögern alle Reparaturkosten übernommen. Schnell und unkompliziert. Danke Karl!
Ruth K.

Beste Diebstahlversicherung. Ich habe tatsächlich innerhalb von 12 Stunden ein neues Fahrrad bekommen. Danke für die schnelle und unkomplizierte Abwicklung!
Arno G.

Beste Radlversicherung ever! Karl besteht aus einem extrem kompetenten, supernetten Team, ich musste nie auf irgendwas warten, wurde immer sofort zurückgerufen — ein Alleinstellungsmerkmal bei Versicherungen.
Julia E.

Ich bin wirklich begeistert von der unglaublich schnellen und unkomplizierten Abwicklung. Das hab ich bisher noch bei keiner Versicherung erlebt!
Claudia H.

There was a theft attempt for my bike and I reached their customer support on a Saturday and received a lightning fast reply assuring me that they will cover the costs for the repair and confirmed they already informed the retailer I bought the bike from.
Yiğit T.

Einfach Spitzen Service. Diebstahls Meldung gemailt. Informationsgespräch persönlich und am gleichen Tag Ersatz und Freigabe für den Schaden. 1A.
Alexander R.

Karl ist spitze! Wie schon der kurze Name: präzise, schnell, super freundlich, unkompliziert! Wir hatten leider 2 Diebstähle unmittelbar hintereinander und Karl hat von der Meldung bis zur Abwicklung alles perfekt gemacht.
Sabine P.

Bin wirklich sprachlos. Komplikationslose und schnelle Abwicklung eines Schadens über den Radhändler nach so kurzer Versicherungszeit. Danke, danke, danke!
Petra P.

All reviews on Google

Highlights reflect emphasis in the original.

Frequently Asked Questions

These are the most common questions.

How do I lock my bike correctly?
Always with a suitable lock to a fixed, immovable object such as a bike rack or lamppost, so that your bike can't simply be carried away. This applies everywhere, whether in the basement, the park or outside a café. Otherwise, theft isn't covered.

The lock encloses the frame and ideally also a wheel.

The object is firmly anchored and can't be easily removed or dismantled.

How sturdy the lock must be is explained under "Which bike lock is sufficient?".
Which bike lock is sufficient?
It comes down to the lock's purchase price. Depending on your bike's value, it must be at least:

up to €500 bike value: €29

up to €2,500 bike value: €45

above €2,500 bike value: €69

Simple cable or spiral locks don't count, even if they cost that much. Also look for sturdiness: a good lock can't be cut with simple tools like pliers or wire cutters, only with heavy tools like a bolt cutter or an angle grinder. Sturdy U-locks, folding locks or solid chain locks usually manage that.

The manufacturer's recommended retail price (RRP) also counts as the purchase price, so a lock you got on sale is fine.

Your bike must also always be locked to a fixed object, see "How do I lock my bike correctly?". We also recommend a second lock of a different type for extra theft protection.

Our lock guide shows you which lock suits your bike, with a lock finder and tested models.
How can I report a claim?
After you log in, you'll find the claim form. That's the fastest way for us to help you.

Report every claim to us immediately, no later than 72 hours after you become aware of it.

For a theft, we absolutely need a police report, such as a report confirmation. If that isn't possible or doesn't make sense, for example because your bike was stolen abroad, tell us in your claim report, by form or email. You can send the police report once you're back home.

If you claim costs for getting home or continuing your journey, send us the invoices or other receipts so we can reimburse you.
Can I insure a used bike?
Yes. Karl insures used bikes too — what matters is the bike's condition and purchase price, not its age. A purchase contract or invoice is enough as proof of value; you don't need the original receipt from when the bike was first sold. If you have questions about your second-hand bike, just drop us a line at hallo@karlbikes.com — we're happy to take a look.