Terms and Conditions
Karl is a product of Engimono GmbH. (hereinafter "We", "Us", "Our") The following general terms and conditions apply to contracts concluded with policyholders (hereinafter "You", "Your"):
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We act as an insurance broker within the meaning of the Broker Act and are therefore obliged to act in Your interest based on the provisions of §§ 27 and 28 BrokerG. We are liable for the diligence of a prudent businessman.
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We are subject to the so-called "Best-Advice-Principle" in our advice. Unless otherwise agreed, our "Best-Advice" refers exclusively to insurance products offered on the Austrian insurance market.
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We only mediate the insurance contract offered on our homepage to You. A continuous review, processing, or support of other insurances of Yours must be agreed with us in writing on a case-by-case basis. In principle, we cannot assume liability for contracts concluded other than through us.
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Since You are best informed about the insurance values, we rely on Your information. You must therefore truthfully and completely disclose all data relevant to the desired insurance coverage. Before You can conclude the coverage, some questions will be asked. If there is any change in this data (e.g., Your address), You must notify us immediately and unprompted in writing so that we can adjust the coverage accordingly.
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By concluding the contract via our homepage, you expressly acknowledge that the questions You have answered and Your consent to the debit of the premium replace all other possibly prescribed documents (in particular "insurance application, questionnaire, etc.) and You will therefore not rely on the absence of these documents in the event of a claim.
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We are only liable for intentional or grossly negligent breach of duty. We cannot assume liability for damages due to slight negligence. Of course, all non-modifiable provisions, especially those of the Consumer Protection Act, apply. For damages due to (simple) gross negligence, we are only liable up to a maximum liability limit of EUR 360,000, unless regulations of the KSchG contradict this.
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You must inform us immediately about any (advisory) damage and take all steps to minimize the damage. To clarify the damage, You must support us as far as possible in clarifying the damage.
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Claims for damages against us expire 6 months after You were aware of the damage and the injuring party, but at the latest if You have not asserted a claim against us in court within 3 years.
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To secure You and Your claims, we have taken out professional liability insurance with a sum insured of at least € 1,000,000, and we can also provide You with documentary evidence if desired.
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Your data will be stored and processed according to the GDPR 2018. All information on data protection and Your rights regarding Your data can be found under the "Data Protection" section on our homepage. By agreeing to these terms and conditions, You expressly agree that Your personal data may be used by Engimono GmbH, supported by automation, to carry out all activities related to the conclusion of the insurance of Your bicycle.
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You also agree that we may involve third parties, in particular their employees, but also partner companies in the EU & EEA area as well as Switzerland and the UK, taking into account the legally prescribed data protection, to carry out all activities related to the conclusion of the insurance of Your bicycle.
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Changes or additions to these terms and conditions and all other agreements concluded between us and You must be made in writing.
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If individual points of these terms and conditions or other agreements concluded between us and You are invalid due to legal regulations or other reasons, this does not mean that the remaining points or the entire agreement are invalid.
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The place of performance is the location of our responsible branch, the court of jurisdiction is the competent court at this location, each as far as no provisions of the KSchG oppose. These terms and conditions and all other agreements concluded between us and You are expressly subject to Austrian law.
The terms and conditions were last updated on: 22.04.2022.
