Karl insures your bicycle, e-bike, and all permanently attached parts (saddle, handlebars, special wheels, wheel hubs, forks, even the trip computer) including the lock, provided you upload the invoices for these and take into account their value when specifying the insurance sum. The insurance covers all risks. Even damages that you cause yourself (fall) are insured; additionally, of course, damages due to fire, water, storm, theft, and so on.