Is there an option to insure wear and tear?

Karl also covers "wear parts" as long as a sudden event causes the damage. A broken derailleur is insured just like a burst tire. However, Karl does not cover ordinary wear and tear. Replacing a worn-out tube after a season because you'd like a new one is not something Karl can cover. The same applies if your E-Bike's battery no longer performs as usual without an external cause. This replacement cannot be claimed with Karl; it falls under the manufacturer's warranty.