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KarlBicycle Insurance
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Bought used, fully covered. Karl takes care of the rest.

Karl insures your bike from bikeflip for the price you paid: against theft, damage and more, with no excess.

What you paid, with all extras.

Payment interval

€5.58per month

€67.00 billed yearly

Includes 8,5% Austrian insurance tax.

You save €6.20 a year.

  • Visa
  • MasterCard
  • SEPA
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 .

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.

Common questions

Insuring your bike from bikeflip.

  1. Can I insure my second-hand bike from bikeflip with Karl?

    Yes. Karl insures used bikes too. What counts is their condition and the purchase price, not their age. We accept your bikeflip receipt as proof of value; you don't need the original receipt.

  2. Which value counts: the new price or what you paid on bikeflip?

    You're insured for the price you actually paid: what you paid on bikeflip is your sum insured. In the event of damage or theft, we pay up to 100 % of it in the first year after you bought your bike, up to 80 % in the second year and up to 70 % from the third year, for repairs and total loss alike.

  3. When does coverage start?

    As soon as you sign up. You can insure your bike right after the handover and ride off, with no waiting period.

  4. What's covered?

    Theft, at home too, as long as your bike was properly locked. Plus damage from falls or vandalism, repair costs and the battery on e-bikes, all with no excess. The same protection as for a new bike. The only thing not covered is damage your bike already had before your cover started.

  5. Do I need proof of frame number or lock?

    Your frame number is on your bikeflip receipt, and that's all we need. Theft is only covered if you lock your bike to a fixed object with a suitable lock. Depending on your bike's value, the lock must have cost at least €29 (up to €500), €45 (up to €2,500) or €69 (above that). Cable and spiral locks don't count.

  6. Can I cancel Karl at any time?

    Yes. You can cancel at any time without giving a reason; a short email is all it takes. The cancellation takes effect at the end of the current insurance period, and you stay covered until then.

All questions and answers

Karl × bikeflip

Covered in a few minutes. Really.

Any questions? Write to us: hallo@karlbikes.com