If you take out insurance through our homepage or on-site at our Karl partners, you can specify your desired insurance value. We recommend insuring the new value that you just paid. The maximum amount you then receive in the event of a claim decreases from year to year. In the first year after conclusion, you receive 100% of the insurance value in the policy, in the second year after conclusion you receive 80% of the insurance value in the policy, and from the third year after conclusion you receive 70% of the insurance value in the policy.

However, this only applies to the total loss case. If, for example, you damage your fork in a fall in the third year after conclusion and it needs to be replaced, you will receive the full value replaced. The same applies to all partial damages. Up to the maximum amount (depending on which year the damage occurs, so 100%/80%/70% of the insurance value in the policy), all damages are completely covered by Karl.