If we are unable to debit the first monthly premium at the conclusion on our homepage or on-site at our Karl partners, you will not receive a policy and the insurance will not be activated.

If at a later point your card expires, is stolen or lost, your account is not covered, or we cannot collect the premium for any other reason, you will receive an email from us with an individual link under which you can then change the payment method. If we can debit at the next attempt (we always try again automatically), you will not receive any more emails. If it still doesn't work, you will receive another email from us.

As soon as we cannot collect a premium for more than 14 days, the insurance with Karl automatically ends. You will receive a message from us that the contract has ended and there is no longer any insurance coverage. Even without this message, there is no longer any insurance coverage and we will not collect any further premiums from you.