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?
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

What value should I state for my bicycle?
Can I also insure an "old" bicycle?
I have a custom bike, does Karl also insure that?
Why does Karl differentiate between a conventional bicycle and an e-bike?
How old do I have to be to take out insurance with Karl?
How old do I have to be to take out insurance with Karl?
You can sign up from the age of 18. If you are younger and still want to insure your bicycle or e-bike with Karl, write to us at hallo@karlbikes.com and we will try to find a solution for this case quickly.
Why are e-bikes so much cheaper?
Is there a possibility to also insure against wear and tear?

The Insurance

What is included in my Karl policy?
What is not insured with Karl?
When am I insured?
Is my bicycle also insured while traveling?
Is my bicycle also insured at events or races?
Which accessories are insured?
Do I always get the new value of my bicycle?
What happens to the policy if something changes on my bicycle?
How do I pay for Karl?
What happens if a premium could not be debited?
How can I change the payment method?
How can I cancel my contract with Karl?
Does Karl have a deductible?
Can I simply have the insurance sum paid out to me instead of getting a new bicycle or e-bike?
Can multiple bikes be insured under one policy, or do I need a separate policy for each bike?
Is it possible to pay the premium annually and does this make the premium cheaper?
What is the situation with short circuit, induction, or overvoltage in relation to the battery?
Is my bicycle or e-bike also insured when it's on the car bike rack?

Your Duties

Which lock should I use?
When, where, and how should I secure my bicycle?
What should I do if the premium cannot be debited?
What obligations do I have in the event of a claim?

In the Event of a Claim

How can I report a claim?
What should I pay attention to when reporting a claim?
How long will it take until I hear from Karl?
How will my claim be paid out?
Who decides whether to repair or replace?
What happens if the repair costs exceed the insurance value?
How can I be sure that I will be satisfied with the result of the repair or replacement?
What happens to my bicycle or e-bike in the event of a total loss?
Will my premium increase after a claim?
How do I prove that the bike was secured according to regulations if, for example, the thief not only takes the bike, but also the damaged lock?

Bicycle insurance

Karl, pardon?

Why should I insure my bicycle with Karl?

Who is behind Karl?

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

What value should I state for my bicycle?

Can I also insure an "old" bicycle?

I have a custom bike, does Karl also insure that?

Why does Karl differentiate between a conventional bicycle and an e-bike?

How old do I have to be to take out insurance with Karl?

How old do I have to be to take out insurance with Karl?

Why are e-bikes so much cheaper?

Is there a possibility to also insure against wear and tear?

The Insurance

What is included in my Karl policy?

What is not insured with Karl?

When am I insured?

Is my bicycle also insured while traveling?

Is my bicycle also insured at events or races?

Which accessories are insured?

Do I always get the new value of my bicycle?

What happens to the policy if something changes on my bicycle?

How do I pay for Karl?

What happens if a premium could not be debited?

How can I change the payment method?

How can I cancel my contract with Karl?

Does Karl have a deductible?

Can I simply have the insurance sum paid out to me instead of getting a new bicycle or e-bike?

Can multiple bikes be insured under one policy, or do I need a separate policy for each bike?

Is it possible to pay the premium annually and does this make the premium cheaper?

What is the situation with short circuit, induction, or overvoltage in relation to the battery?

Is my bicycle or e-bike also insured when it's on the car bike rack?

Your Duties

Which lock should I use?

When, where, and how should I secure my bicycle?

What should I do if the premium cannot be debited?

What obligations do I have in the event of a claim?

In the Event of a Claim

How can I report a claim?

What should I pay attention to when reporting a claim?

How long will it take until I hear from Karl?

How will my claim be paid out?

Who decides whether to repair or replace?

What happens if the repair costs exceed the insurance value?

How can I be sure that I will be satisfied with the result of the repair or replacement?

What happens to my bicycle or e-bike in the event of a total loss?

Will my premium increase after a claim?

How do I prove that the bike was secured according to regulations if, for example, the thief not only takes the bike, but also the damaged lock?