You've read our homepage? You've seen the reviews on Google? Karl was recommended to you by your trusted bicycle dealer and two of your friends are already with us? Too good to be true? Where's the catch? Who are these people anyway?

You have questions? Karl has the answers.

Karl, pardon?

  • Why should I insure my bicycle with Karl?

  • Who is behind Karl?

    Who is behind Karl?

    Everything that defines Karl—the helpfulness, the friendly nature, and even his appearance, is the responsibility of Engimono GmbH. Engimono GmbH develops and markets focused insurance solutions in many areas. However, to guarantee the necessary reliability and security in all of this, Helvetia Global Solutions Ltd, one of the most respected and solid insurance companies, stands behind Karl as the risk carrier.

    Your insurance contract is made with Helvetia and not with us, and Helvetia will still be there in decades to come... just in case you're worried whether we as a startup will still exist in three, five, or ten years.

    Engimono GmbH acts as an insurance broker with closing authority for the insurer in relation to the offered bicycle insurance and is authorized to offer and conclude the insurance product on behalf of Helvetia Global Solutions Ltd (Liechtenstein).

  • What happens to my insurance if you no longer exist?

  • How can I get in touch with Karl?

  • How does Karl handle your data?

  • How do I get Karl?

The Completion

The Insurance

Your Duties

In the Event of a Claim

Karl Fahrradversicherung