{'system': '# Karl Support Team — System Prompt\n\nYou are the Karl bicycle insurance support team. You draft replies to customer emails.\n\n## Language\n\nReply in English. All content must be in English.\n\n## Tone & Style\n\n- Use "du" by default. Switch to "Sie" only if the customer uses "Sie"\n- First name always: "Liebe Erika", "Lieber Thomas", "Caro Amadou"\n- Warm but professional — friendly without being over-the-top\n- Short sentences, clear language\n- No emoji\n- No bold/italic formatting — plain text only\n- Don\'t overdo empathy interjections. One brief acknowledgment is fine ("Das tut mir leid"), but don\'t pile them on\n- German sign-off: "Liebe Grüße!" or "Alles Gute dir!"\n- Italian sign-off: "Un caro saluto," or "Cordiali saluti,"\n- English sign-off: "Best regards,"\n- Sign-off must match the language of the reply\n\n## Safety Rules\n\n- NEVER invent policy details (monetary amounts, coverage terms, deadlines, policy specifics)\n- Only state facts that appear in the thread context, templates, or reference terms (AVB/AGB)\n- When citing policy terms, prefer reference document wording over past conversation wording\n- If you\'re unsure about any factual claim, insert [NEEDS REVIEW: brief description] in the draft\n- NEVER make up claim numbers, policy numbers, or dates\n\n## Examples\n\n### Cancellation (DE)\n\nCustomer:\n> Guten Tag, ich möchte bitte die Polizze K-1-XXXXXXX kündigen. Danke, mit freundlichen Grüßen\n\nReply:\n> Servus Elisabeth,\n>\n> Deine Versicherung wird wie gewünscht storniert. Der bereits bezahlte Versicherungsmonat läuft noch bis zum [NEEDS REVIEW: Datum] – an diesem Tag erhältst du dann auch die offizielle Stornobestätigung. Es werden keine Prämien mehr abgebucht.\n>\n> Alles Gute dir!\n> Dein Karl-Team\n\n### General Inquiry — Lock Confirmation (DE)\n\nCustomer:\n> Ich habe die Diebstahlversicherung für mein neues Ebike abgeschlossen. Im Informationsblatt steht, dass das Fahrrad mit einem Schloss der Kategorie Abus 6 gesichert sein muss. Ich habe ein Viro Kettenschloss. Entspricht das den Anforderungen?\n\nReply:\n> Lieber Manuel,\n>\n> Hiermit bestätige ich dir, dass dein Schloss unseren Anforderungen entspricht und somit alles in bester Ordnung ist.\n>\n> Liebe Grüße!\n> Nicole von Karl\n\n### Dealer Coordination — Estimate Approved (DE)\n\nCustomer (bike dealer):\n> Anbei übermittle ich den Kostenvoranschlag für die Reparatur des Fahrrads. Der Schaden entstand durch einen Hund auf dem Radweg.\n\nReply:\n> Lieber Paolo,\n>\n> Der KV ist hiermit freigegeben. Sobald ich die finale Rechnung habe, wird die Überweisung in Auftrag gestellt.\n>\n> Liebe Grüße!\n> Nicole\n\n### Policy Change — Address Update (DE)\n\nCustomer:\n> Hallo, bin umgezogen, brauchen sie die neue Adresse? K-1-XXXXXXX\n\nReply:\n> Hallo Manfred!\n>\n> Die Adresse wurde geändert.\n>\n> Alles Liebe!\n> Severin\n\n### Damage Claim — How to File (EN)\n\nCustomer:\n> I fell with the bike 2 weeks ago and it started to make a squeaky noise. Would the insurance cover the costs for a repair?\n\nReply:\n> Dear Tommaso,\n>\n> Great to hear from you. To ensure we can process your claim as quickly as possible, please submit it through your login <https://karlbikes.com/en-GB/login>.\n>\n> Click here if you\'d like to find out how the claims process works: <https://karlbikes.com/en-GB/make-a-claim>\n>\n> Best regards!\n> Nicole & your Karl Team\n\n### Contract Request (IT)\n\nCustomer:\n> Buongiorno, i documenti che ho ricevuto sono in tedesco, ma avrei necessità di ricevere il contratto in lingua italiana.\n\nReply:\n> Ciao Dino,\n>\n> Purtroppo al momento posso inviarti solo le nostre condizioni assicurative tradotte in italiano.\n>\n> Ti chiedo sinceramente scusa — stiamo già lavorando per poterti fornire anche gli altri documenti in lingua italiana!\n>\n> Un caro saluto,\n> Nicole\n', 'user': '## Response Templates\n\nUse these templates as a basis for your reply:\n\nThe cost estimate has been approved. Once we receive the final invoice, we\'ll process the payment.\n\nPlease send the invoice directly to us.\n\n## Conversation History\n\n**Customer:**\nHello,\n\nMy name is Natalie, and I am representing H&B Exclusive, a company based in the Netherlands. We specialize in selling refurbished bicycles, offering high-quality bikes at competitive prices.\n\nAs part of our ongoing efforts to enhance the services we provide to our customers, we are currently exploring the possibility of adding insurance options to our products. Therefore, we are looking for a reliable company to establish a long-term partnership with.\n\nWe would be grateful if you could provide us with more information about:\n\nYour available services and insurance packages\nPartnership conditions and requirements\n\nAny other relevant details that would help us evaluate a potential collaboration\n\nThank you very much for your time and consideration. We look forward to your response and hope to explore the possibility of working together.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\n**Karl Team:**\nDear [CUSTOMER_NAME],\nThank you very much for your inquiry and for reaching out to us. We\nhighly appreciate your interest in a partnership with Karl!\nWe are fully open to collaborations in the field of used bicycle sales\nand are happy to insure refurbished bicycles.\n\nOur Insurance Offerings\nOur insurance package is a single premium package available to all\ncustomers. It provides comprehensive coverage for the bicycle and all\npermanently attached components listed in the policy (e.g., water\nbottles, navigation devices, lights, locks, baskets, etc.).\nThe bike is protected against:\n* Theft\n* Accidents/Falls\n* Vandalism\n* And more\xa0(Please see the attached policy conditions for a complete\noverview).\n\nThe premium is based on the bicycle\'s price and the payment frequency\n(annual or monthly).\nFor example:\n* A bicycle priced at €999\xa0can be insured for €83 annually\xa0or €7.60\nmonthly.\n* A high-end bicycle priced at €7.599\xa0can be insured for €258 annually\xa0or\n€23.50 monthly.\n\nTechnical Integration\nTechnically, we can offer a seamless solution where your customers are\noffered the insurance directly when purchasing a bicycle\xa0on your website.\nThe policy can be completed with just a few clicks\xa0during the checkout\nprocess.\n\nPartnership Model\nTo move forward, we would like to understand the desired structure of the\ncollaboration. What kind of partnership do you envision? How can we best\nsupport H&B Exclusive and your customers?\nWe are looking forward to your response and hope to discuss the details\nof a long-term collaboration soon.\n\nKind regards,\nHenning\n\n**Customer:**\nHello,\n\nThank you very much for the detailed information you provided. We truly appreciate the professionalism of your company and the way your services were presented.\n\nI have a few additional questions to better understand your offer. Could you please clarify what commission percentage our company would receive per customer, and what percentage of the bicycle’s price the customer would pay monthly under your insurance plan? Additionally, we would like to know if your insurance system is collective (group-based) or individual.\n\nOnce we have a clear understanding of these points, we can arrange a meeting to discuss the details and explore a potential partnership.\n\nLooking forward to your reply.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 3 December 2025 at 3:56\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nDear [CUSTOMER_NAME],\nThank you very much for your inquiry and for reaching out to us. We highly appreciate your interest in a partnership with Karl!\nWe are fully open to collaborations in the field of used bicycle sales and are happy to insure refurbished bicycles.\n\nOur Insurance Offerings\nOur insurance package is a single premium package available to all customers. It provides comprehensive coverage for the bicycle and all permanently attached components listed in the policy (e.g., water bottles, navigation devices, lights, locks, baskets, etc.).\nThe bike is protected against:\n\n  *\nTheft\n  *\nAccidents/Falls\n  *\nVandalism\n  *\nAnd more (Please see the attached policy conditions for a complete overview).\n\nThe premium is based on the bicycle\'s price and the payment frequency (annual or monthly).\nFor example:\n\n  *\nA bicycle priced at €999 can be insured for €83 annually or €7.60 monthly.\n  *\nA high-end bicycle priced at €7.599 can be insured for €258 annually or €23.50 monthly.\n\nTechnical Integration\nTechnically, we can offer a seamless solution where your customers are offered the insurance directly when purchasing a bicycle on your website. The policy can be completed with just a few clicks during the checkout process.\n\nPartnership Model\nTo move forward, we would like to understand the desired structure of the collaboration. What kind of partnership do you envision? How can we best support H&B Exclusive and your customers?\nWe are looking forward to your response and hope to discuss the details of a long-term collaboration soon.\n\nKind regards,\nHenning\n\n**Karl Team:**\nDear [CUSTOMER_NAME],\nThank you for your response and positive feedback. I am happy to clarify\nyour additional questions.\nOur commission model is based on renewal commissions\xa0and is structured as\nfollows:\n* Commission Rate:\xa0H&B Exclusive would receive a commission of 10% of the\nnet premium\xa0for every successfully concluded policy.\n* Payment Frequency:\xa0Commissions are paid in alignment with the\ncustomer\'s payment cycle. If the customer chooses an annual payment, the\ncommission is paid annually. If they choose a monthly payment, the\ncommission is paid monthly.\nThe premium is calculated based on the total value of the insured\ngoods\xa0(bicycle plus permanently attached accessories like a navigation\ndevice) according to a fixed risk table. Since the premium is based on a\nfixed amount rather than a universal percentage, we can provide specific\nannual rates based on the bike\'s total value:\n* Bike only:\xa0A bike worth €2,000\xa0has an annual premium of €99.00\xa0or €9.00\nmonthly.\n* Bike + device:\xa0If a customer adds parts like a Wahoo worth €400, the\ntotal insured value is €2,400. This then has an annual premium of\n€109.00\xa0or €10.00 monthly.\nAs you noted, the final premium remains constant as our offer includes no\ndeductible.\nOur system is based on individual policies.\nEvery customer concludes a separate contract directly with Karl, and the\npremium is individually calculated based on the value of their specific\nbicycle. We cannot offer a collective (group-based) insurance system for\nall customers of H&B Exclusive due to the significant differences in\nbicycle values. This individual approach ensures maximum transparency and\nfairness for the customer.\n\nI hope this clarifies your additional questions. As we now have a clear\nunderstanding of the model, we are ready to arrange the meeting you\nsuggested to discuss the legal and technical implementation of the\npartnership.\nKind regards,\nHenning\n\n**Customer:**\nHello,\n\nI hope this email finds you well.\n\nThank you very much for the detailed information.\nWould it be convenient for you to have a meeting tomorrow at 3:00 PM?\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Monday, 8 December 2025 at 10:49\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nDear [CUSTOMER_NAME],\nThank you for your response and positive feedback. I am happy to clarify your additional questions.\nOur commission model is based on renewal commissions and is structured as follows:\n\n  *\nCommission Rate: H&B Exclusive would receive a commission of 10% of the net premium for every successfully concluded policy.\n  *\nPayment Frequency: Commissions are paid in alignment with the customer\'s payment cycle. If the customer chooses an annual payment, the commission is paid annually. If they choose a monthly payment, the commission is paid monthly.\n\nThe premium is calculated based on the total value of the insured goods (bicycle plus permanently attached accessories like a navigation device) according to a fixed risk table. Since the premium is based on a fixed amount rather than a universal percentage, we can provide specific annual rates based on the bike\'s total value:\n\n  *\nBike only: A bike worth €2,000 has an annual premium of €99.00 or €9.00 monthly.\n  *\nBike + device: If a customer adds parts like a Wahoo worth €400, the total insured value is €2,400. This then has an annual premium of €109.00 or €10.00 monthly.\n\nAs you noted, the final premium remains constant as our offer includes no deductible.\nOur system is based on individual policies.\nEvery customer concludes a separate contract directly with Karl, and the premium is individually calculated based on the value of their specific bicycle. We cannot offer a collective (group-based) insurance system for all customers of H&B Exclusive due to the significant differences in bicycle values. This individual approach ensures maximum transparency and fairness for the customer.\n\nI hope this clarifies your additional questions. As we now have a clear understanding of the model, we are ready to arrange the meeting you suggested to discuss the legal and technical implementation of the partnership.\nKind regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\nSorry for the late reply — we’re very busy at the moment. Unfortunately,\nwe won’t be able to make the appointment right now, but I’ll send you\nsome alternative time slots.\n\nBest regards,\nHenning\n\n**Customer:**\nHi Henning,\n\nThank you for your message. I look forward to receiving the alternative time slots at your earliest convenience.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 12 December 2025 at 1:49\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\nSorry for the late reply — we’re very busy at the moment. Unfortunately, we won’t be able to make the appointment right now, but I’ll send you some alternative time slots.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nwould you be available tomorrow at 1pm?\nPlease let me know and we will happily send an invite.\nKind regards and looking forward to speaking soon.\nPhilip\n\n**Customer:**\nHi Philip,\n\nThank you for your message.\nWould it be possible to schedule the meeting at 2:00 PM instead of 1:00 PM?\nPlease let me know if that works for you.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Tuesday, 16 December 2025 at 6:36\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nwould you be available tomorrow at 1pm?\nPlease let me know and we will happily send an invite.\nKind regards and looking forward to speaking soon.\nPhilip\n\n**Karl Team:**\nHi Natalie,\n\nI can not do 2 but am free at 3.30 if that works for you.\nIf so please feel to send an invite for a call.\nKind regards\nPhilip\n\n**Customer:**\nHi Philip,\n\nThank you for your message.\n3:30 PM works well for us.\n\nCould you please share your phone number so we can contact you?\nPlease note that the meeting will be held with Mr. Baraa to discuss the next steps.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 17 December 2025 at 11:25\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI can not do 2 but am free at 3.30 if that works for you.\nIf so please feel to send an invite for a call.\nKind regards\nPhilip\n\n**Customer:**\nHello,\n\nI would like to confirm our meeting and kindly request either a contact number or the meeting link so we can join at the scheduled time without any issues.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 17 December 2025 at 11:25\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI can not do 2 but am free at 3.30 if that works for you.\nIf so please feel to send an invite for a call.\nKind regards\nPhilip\n\n**Karl Team:**\nHi Natalie\n\nMy mobile is [PHONE]Kind regards\nPhilip\n\n**Customer:**\nHi Philip,\n\nI hope this message finds you well.\n\nMr. Baraa has updated me on the conversation that took place between you, and I really appreciate the time and effort you’ve already dedicated. I’m looking forward to receiving an email from you with all the details and offers discussed, as it will help us move forward smoothly.\n\nPlease don’t hesitate to reach out if you need any further information from our side. I’m eager to hear from you and get everything clarified so we can proceed efficiently.\n\nThank you very much for your support and cooperation.\n\nBest regards,\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 17 December 2025 at 3:28\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie\n\nMy mobile is [PHONE_4]Kind regards\nPhilip\n\n**Karl Team:**\nHi Natalie,\nThank you for your feedback and patience.\nMany shop cooperations with insurance providers fail due to complexity\nand additional administrative burden. That is exactly why we built Karl\nto be as simple as possible. Our goal is to be not only the friendliest\ninsurance for cyclists but also the most straightforward partner for you.\nHere are the details of our cooperation offer:\n\nScope of Insurance\xa0(E-)Bikes, including all permanently attached parts\n(e.g., wheelsets, forks, trip computers, locks), are fully protected with\nall-risk coverage including accidental damage (falls), theft, fire, and\nweather-related damage.\n* Note:\xa0Philip and Mr. Baraa considered a theft-only insurance as an\noption. If that is your main interest, we can provide that as well.\n\nCompensation\xa0We reimburse 100% in the 1st year, 80% in the 2nd year, and\n70% of the purchase price permanently from the 3rd year onwards. This\nensures that premiums remain stable in the long term.\n\nCoverage & Usage\xa0Our coverage is valid worldwide; customers only need a\nplace of residence within the EU. Unlike many competitors, both\ncommercial use and the use of the bicycle in sporting events are included\nat no extra charge.\n\nShop Checkout\xa0With us, it is true "Plug & Play." Via a simple link, we\ncan automatically transfer relevant data such as name, email address,\nframe number, and purchase price, so that the insurance signup is\ncompleted for your customers in just a few seconds. If you prefer to\navoid any data transfer, we can alternatively offer a simple referral\nlink to the application page. We are happy to adapt entirely to your\npreferences.\n\nCommission\xa0You will receive a 10% commission on the net premium. This\nmodel is legally secure as a referral (tipster) solution and is quick and\neasy to implement. We intentionally avoid one-time sales commissions for\nnon-brokers, as these are often legally complex.\n\nWhy Karl?\xa0No fine print, no delays, no worries.\xa0We work transparently and\nin partnership. There is no fine print in our terms and conditions, and\nin the event of a claim, we help immediately and pay out quickly. Our\npartner shops especially appreciate that we do not require a cost\nestimate for repairs up to €1,000. We trust our customers and partners –\njust as they trust us.\n\nWe believe that a great insurance experience should be like riding a bike\n– simple, fast, and always there for you. https://karlbikes.com\nAre there any details missing that you need from our side? Please don’t\nhesitate to reach out.\nKind regards, Henning\n\n**Customer:**\nHello,\n\nThank you for your message, and apologies for the delay in our response.\n\nWe have discussed these details internally, Mr Baraa and I have discussed these details, and we would like to schedule a meeting to confirm a few remaining points and discuss how we will proceed with our cooperation and the next steps.\n\nPlease let us know your availability so we can arrange a suitable time.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 14 January 2026 at 5:36\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\nThank you for your feedback and patience.\nMany shop cooperations with insurance providers fail due to complexity and additional administrative burden. That is exactly why we built Karl to be as simple as possible. Our goal is to be not only the friendliest insurance for cyclists but also the most straightforward partner for you.\nHere are the details of our cooperation offer:\n\nScope of Insurance (E-)Bikes, including all permanently attached parts (e.g., wheelsets, forks, trip computers, locks), are fully protected with all-risk coverage including accidental damage (falls), theft, fire, and weather-related damage.\n\n  *\nNote: Philip and Mr. Baraa considered a theft-only insurance as an option. If that is your main interest, we can provide that as well.\n\nCompensation We reimburse 100% in the 1st year, 80% in the 2nd year, and 70% of the purchase price permanently from the 3rd year onwards. This ensures that premiums remain stable in the long term.\n\nCoverage & Usage Our coverage is valid worldwide; customers only need a place of residence within the EU. Unlike many competitors, both commercial use and the use of the bicycle in sporting events are included at no extra charge.\n\nShop Checkout With us, it is true "Plug & Play." Via a simple link, we can automatically transfer relevant data such as name, email address, frame number, and purchase price, so that the insurance signup is completed for your customers in just a few seconds. If you prefer to avoid any data transfer, we can alternatively offer a simple referral link to the application page. We are happy to adapt entirely to your preferences.\n\nCommission You will receive a 10% commission on the net premium. This model is legally secure as a referral (tipster) solution and is quick and easy to implement. We intentionally avoid one-time sales commissions for non-brokers, as these are often legally complex.\n\nWhy Karl? No fine print, no delays, no worries. We work transparently and in partnership. There is no fine print in our terms and conditions, and in the event of a claim, we help immediately and pay out quickly. Our partner shops especially appreciate that we do not require a cost estimate for repairs up to €1,000. We trust our customers and partners – just as they trust us.\n\nWe believe that a great insurance experience should be like riding a bike – simple, fast, and always there for you. https://karlbikes.com\nAre there any details missing that you need from our side? Please don’t hesitate to reach out.\nKind regards, Henning\n\n**Karl Team:**\nHi Natalie,\n\nThat’s great news. We are available next Thursday, 12.02., at 14:00 or\n16:00. If one of these slots suits your schedule, please feel free to\nsend over an invite.\nI am looking forward to moving forward with our cooperation.\n\nBest regards,\nHenning\n\n**Customer:**\nHello ,\n\nI just wanted to confirm that the meeting scheduled for tomorrow, Thursday, February 12, at 2:00 PM with Mr. Baraa, will go ahead as agreed.\n\nCould you please send the meeting invitation in advance so that\nwe can be sure there won\'t be any delays?\n\nThank you in advance!\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 5 February 2026 at 9:07\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThat’s great news. We are available next Thursday, 12.02., at 14:00 or 16:00. If one of these slots suits your schedule, please feel free to send over an invite.\nI am looking forward to moving forward with our cooperation.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nI just sent you the invite for our call today at 14:00.\nGoogle Meet link:\xa0https://meet.google.com/jpa-hivm-mei\xa0\nSee you later.\n\nBest,\nHenning\n\n**Customer:**\nHi,\n\nThank you.\n\nHave a nice day.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 12 February 2026 at 10:41\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI just sent you the invite for our call today at 14:00.\nGoogle Meet link: https://meet.google.com/jpa-hivm-mei\nSee you later.\n\nBest,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\ncould you please connect me to Mr. Baraa. We would like to hand in our\npartnership offer.\n\nBest regards,\nHenning\n\n**Customer:**\nHi Henning,\n\nIt’s a pleasure to hear from you! I hope you are doing well.\n\nKindly share your partnership offer via this email. Everything will be carefully reviewed by me first, and any observations or feedback will then be forwarded to Mr. Baraa for his final review. I appreciate your understanding regarding this process.\n\nLooking forward to receiving your offer.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 19 February 2026 at 10:03\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\ncould you please connect me to Mr. Baraa. We would like to hand in our partnership offer.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nthank your for forwarding our partnership offer. The new proposal is\nattached.\n\nDear HB Exclusive-Team,\n\nIt was great talking to you. I’ve spent some time analyzing the HB\nExclusive checkout experience.\nTo achieve your goal of an "all-inclusive" feeling without creating\nadministrative liability for HB, I propose a smart integration model:\n* Zero-liability integration:\xa0Instead of HB being the policyholder, we\noffer a "12-for-10" months deal. Your customers get 2 months free, but\nthey activate the protection themselves. You get the marketing impact; we\nhandle 100% of the administration.\n* Guaranteed re-investment:\xa0Our policy ensures that in case of theft, the\ninsurance sum is paid directly to HB Exclusive. This guarantees that your\ncustomers stay within your ecosystem for their replacement bike.\n* Checkout trust-bundle:\xa0By adding Abus locks\xa0and karlbikes.com\xa0as smart\nadd-ons to your currently "lean" checkout, we transform the purchase from\na simple transaction into a high-trust experience.\n* Local Service Network:\xa0We act as the bridge between your online shop\nand the physical world. Your customers get access to our EU-wide workshop\nnetwork for local repairs, without any extra work for your team.\n\nI have attached a One-Pager\xa0with the technical details. Let’s jump on a\nquick call next week to discuss how to proceed.\n\nBest regards,\nHenning\n\n**Customer:**\nHi,\n\nThank you very much for the clarification, and I have reviewed the proposal carefully.\n\nI would like to ask whether the actual calculations related to the offers you will provide to our customers have been finalized on your side, as we need to confirm this point before moving forward with the final stages of the cooperation.\n\nIf these details have been arranged, please let me know so I can schedule a meeting for you with Mr. Bara to discuss the next steps.\n\nLooking forward to your reply.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 20 February 2026 at 12:17\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nthank your for forwarding our partnership offer. The new proposal is attached.\n\nDear HB Exclusive-Team,\n\nIt was great talking to you. I’ve spent some time analyzing the HB Exclusive checkout experience.\nTo achieve your goal of an "all-inclusive" feeling without creating administrative liability for HB, I propose a smart integration model:\n\n  *\nZero-liability integration: Instead of HB being the policyholder, we offer a "12-for-10" months deal. Your customers get 2 months free, but they activate the protection themselves. You get the marketing impact; we handle 100% of the administration.\n  *\nGuaranteed re-investment: Our policy ensures that in case of theft, the insurance sum is paid directly to HB Exclusive. This guarantees that your customers stay within your ecosystem for their replacement bike.\n  *\nCheckout trust-bundle: By adding Abus locks and karlbikes.com as smart add-ons to your currently "lean" checkout, we transform the purchase from a simple transaction into a high-trust experience.\n  *\nLocal Service Network: We act as the bridge between your online shop and the physical world. Your customers get access to our EU-wide workshop network for local repairs, without any extra work for your team.\n\nI have attached a One-Pager with the technical details. Let’s jump on a quick call next week to discuss how to proceed.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nthank you for the update. I have finalized the calculations for the HB\nExclusive customer offer.\nAs discussed, we are providing a special "12-for-10" partnership rate. By\nchoosing our service in your checkout, your customers receive the full\nkarlbikes.com\xa0premium protection for one year while effectively paying\nfor only 10 months compared to our standard plan.\n\nHere are the specific annual premiums for your main bike price brackets\nincluding Austrian insurance taxes:\n€2.000 Bike:\xa0€90.75 / year (customer saves €17.25)\n€2.500 Bike:\xa0€101.75 / year (customer saves €19.45)\n€3.000 Bike:\xa0€114.60 / year (customer saves €22.20)\nThis adds a high-value Add-On to your checkout for the best price for\nyour customers, while we handle 100% of the administration and liability.\n\nI am available for a call with Mr. Baraa next week to discuss the\nseamless integration and next steps.\n\nBest regards,\nHenning\n\n**Customer:**\nHello,\n\nThank you very much for your detailed message and for clearly outlining the proposed 12-for-10 partnership structure.\n\nAfter carefully reviewing your email and the proposed framework, I would like to share a few important points to ensure we are fully aligned on the structure of our cooperation.\n\nFrom our side, the insurance premium for the first year would not be presented as an optional add-on for the customer. Instead, H&B Exclusive intends to insure all bicycles directly. This means that when a customer purchases a bike from us, it will already include one year of insurance as a complimentary benefit. In this case, H&B Exclusive would be covering the cost of the first-year premium, not the end customer.\n\nBased on this structure, there are two key aspects to consider:\n\nDirect Cooperation & Billing\nThe first-year premium would be handled directly between our companies, as we would be insuring approxinately every bike sold.\nGuaranteed and Continuous Customer Flow\nSince insurance would not be optional but automatically included, this guarantees you a steady and recurring volume of insured customers corresponding to our actual sales volume. In other words, we would be delivering you consistent business rather than occasional opt-in policies.\n\nFor this reason, the benefit should be mutual and strategically structured. We are investing significantly in marketing, advertising, and brand positioning to attract these customers. In return, we would expect a very competitive annual rate for the first year under this partnership model.\n\nAdditionally, as previously discussed, we believe that cross-visibility would further strengthen our collaboration. Just as we would recommend your insurance services to our customers, we would appreciate being listed on your website as a recommended and trusted bike partner.\n\nWe truly believe that, if structured correctly, this cooperation can generate substantial and long-term value for both parties. I kindly ask you to review this proposal from a strategic partnership perspective, and I look forward to your feedback and hopefully positive news soon.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 25 February 2026 at 6:13\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nthank you for the update. I have finalized the calculations for the HB Exclusive customer offer.\nAs discussed, we are providing a special "12-for-10" partnership rate. By choosing our service in your checkout, your customers receive the full karlbikes.com premium protection for one year while effectively paying for only 10 months compared to our standard plan.\n\nHere are the specific annual premiums for your main bike price brackets including Austrian insurance taxes:\n€2.000 Bike: €90.75 / year (customer saves €17.25)\n€2.500 Bike: €101.75 / year (customer saves €19.45)\n€3.000 Bike: €114.60 / year (customer saves €22.20)\nThis adds a high-value Add-On to your checkout for the best price for your customers, while we handle 100% of the administration and liability.\n\nI am available for a call with Mr. Baraa next week to discuss the seamless integration and next steps.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nThank you for the ongoing coordination. To prepare for the meeting with\nMr. Baraa, I would like to refine our proposal to ensure a stable and\nlong-term partnership.\nAt karlbikes.com, our priority is providing a reliable, digital-first\ninsurance solution. To maintain this quality and handle all claims and\nadministration EU-wide, our premiums are calculated to reflect the actual\nrisk and service overhead.\n\nWe are very keen to cooperate with HB Exclusive and are ready to create a\ntailor-made solution for our partnership. Our goal is to improve your\nconversion rate and ensure that your customers\' bikes are perfectly\nprotected. To find the most sustainable way forward for both sides, it\nwould be helpful to have a bit more detail regarding the sales data:\nCurrent sales data:\xa0Could you provide a brief overview of the actual\nsales volume per month/year for the European markets?\nGrowth projections:\xa0What are the realistic targets for the next 12\nmonths?\n\nUnderstanding the actual fluctuation will allow us to offer the most\ncompetitive partnership rate without compromising the stability of the\ninsurance product. I am confident that we will find a solution that works\nfor everyone and look forward to your reply.\n\nBest regards,\nHenning\n\n**Customer:**\nDear [CUSTOMER_NAME],\n\nThank you very much for your continuous coordination and for your interest in exploring a potential future partnership between us. I truly appreciate this communication and am confident that we can soon build a strong and long-term cooperation that benefits both parties.\n\nRegarding your questions:\n\n* Current sales data:\nThis year, we have sold approximately 3,500 bicycles.\n\n* Growth projections:\nWe are currently developing our operations by opening a new branch in Romania. We are planning to establish an additional operational presence there to support our business activities. As we are relatively occupied with the preparation process for the new branch, our sales volume in the coming period may remain at a similar level or experience gradual growth, while we maintain our long-term ambition for stronger expansion.\n\nWe believe that cooperation between us will create significant value for both parties, particularly in improving customer conversion rates and providing high-quality protection solutions for our customers’ bicycles.\n\nI am looking forward to your reply with great anticipation and hope to hear from you soon.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 27 February 2026 at 1:48\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for the ongoing coordination. To prepare for the meeting with Mr. Baraa, I would like to refine our proposal to ensure a stable and long-term partnership.\nAt karlbikes.com, our priority is providing a reliable, digital-first insurance solution. To maintain this quality and handle all claims and administration EU-wide, our premiums are calculated to reflect the actual risk and service overhead.\n\nWe are very keen to cooperate with HB Exclusive and are ready to create a tailor-made solution for our partnership. Our goal is to improve your conversion rate and ensure that your customers\' bikes are perfectly protected. To find the most sustainable way forward for both sides, it would be helpful to have a bit more detail regarding the sales data:\nCurrent sales data: Could you provide a brief overview of the actual sales volume per month/year for the European markets?\nGrowth projections: What are the realistic targets for the next 12 months?\n\nUnderstanding the actual fluctuation will allow us to offer the most competitive partnership rate without compromising the stability of the insurance product. I am confident that we will find a solution that works for everyone and look forward to your reply.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nThank you for the insights regarding your sales volume and expansion\nplans. Based on these figures, we have finalized a tailor-made package\nfor HB Exclusive that reflects our shared ambition.\n\nBy combining our "12-for-10" partner model with a full waiver of our\nstandard commission, we create a cumulative discount that significantly\noutperforms standard market rates. We are committed to this investment\nbecause we see immense potential in new customers and the substantial\nboost this will provide to your customer conversion rate.\n\nCore pillars of our partnership:\n- Our end-to-end handling of registration, insurance, and claims\nmanagement serves as a high-value add-on for your customers, while\nrequiring zero administrative effort from your team.\n- In the event of a claim, we guarantee to direct customers straight back\nto HB Exclusive for their replacement bike. This ensures that the\ninsurance payout remains a guaranteed future sale within your shop.\n- Beyond the initial year, we are offering to involve HB Exclusive in the\nrevenue of future renewals for as long as the customer maintains their\nprotection with us. This creates a recurring value stream for your\nbusiness.\n- Your customers gain access to our extensive network of partner\nworkshops across Europe for local repairs, bridging the gap between your\nonline shop and physical service.\n\nOur service is designed to be the backbone of this partnership, creating\na sustainable "all-inclusive" feeling for your buyers.\nLooking forward to your reply.\n\nBest regards,\nHenning\n\n**Customer:**\nDear [CUSTOMER_NAME],\n\nThank you very much for your detailed explanation and for the comprehensive proposal you have prepared for H&B Exclusive.\nI truly appreciate the effort behind this tailor-made offer and your clear intention to build a strong and mutually beneficial partnership. This is very much aligned with our vision as well. I believe our discussions so far represent a very positive and constructive starting point for both sides, with promising ideas and real potential.\n\nBefore we proceed further, I would kindly ask for clarification on two key points:\n\n1. Scope of Insurance Coverage\nCould you please confirm whether the current offer applies to theft insurance only, or if it includes comprehensive coverage as well?\n\n2. Pricing Calculation per Bike\nI would also appreciate a clear explanation of how the annual insurance cost per bicycle is calculated. This point is extremely important for us, as it forms the basis for estimating the overall project costs and assessing the financial structure on our side before we move forward confidently.\n\nI fully understand that pricing may vary depending on the type and condition of the bicycles. However, I would kindly ask you to explain the calculation methodology or provide a structured example so we can determine an approximate cost framework for the project.\n\nThank you in advance for your clarification. I truly value your prompt response and look forward to continuing our discussion and developing this partnership further.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Tuesday, 3 March 2026 at 2:12\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for the insights regarding your sales volume and expansion plans. Based on these figures, we have finalized a tailor-made package for HB Exclusive that reflects our shared ambition.\n\nBy combining our "12-for-10" partner model with a full waiver of our standard commission, we create a cumulative discount that significantly outperforms standard market rates. We are committed to this investment because we see immense potential in new customers and the substantial boost this will provide to your customer conversion rate.\n\nCore pillars of our partnership:\n- Our end-to-end handling of registration, insurance, and claims management serves as a high-value add-on for your customers, while requiring zero administrative effort from your team.\n- In the event of a claim, we guarantee to direct customers straight back to HB Exclusive for their replacement bike. This ensures that the insurance payout remains a guaranteed future sale within your shop.\n- Beyond the initial year, we are offering to involve HB Exclusive in the revenue of future renewals for as long as the customer maintains their protection with us. This creates a recurring value stream for your business.\n- Your customers gain access to our extensive network of partner workshops across Europe for local repairs, bridging the gap between your online shop and physical service.\n\nOur service is designed to be the backbone of this partnership, creating a sustainable "all-inclusive" feeling for your buyers.\nLooking forward to your reply.\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nThank you for your feedback. To ensure we move forward with full clarity,\nhere are the details regarding our coverage and the financial structure:\n\n1. Our service is for a full comprehensive package with zero deductible.\nIt is a true "worry-free" solution for cyclists, covering:\n- Theft & vandalism: Including stolen components like saddles or\nbatteries.\n- Technical defects: Flat tires, broken chains, or faulty derailleurs.\n- Flexible repair solutions: Customers can visit any local bike shop, and\nkarlbikes.com pays the invoice. However, we would prefer to source\nreplacement parts directly from HBExclusive whenever possible to support\nyour ecosystem.\n- Theft replacement: As discussed, for stolen bikes, the payout is\ndirectly connected to a replacement purchase at HBExclusive.\n\n2. Regarding our pricing, we must maintain a sustainable model to ensure\nall claims are paid reliably. Our premiums are calculated as follows.\n- Risk pool: The majority of the premium is strictly reserved for claim\nsettlements to guarantee reliability.\n- Operational margin: We operate on a fixed percentage of the net premium\nfor our administration and service.\n- Maximum discount: The cumulative discount of the "12-for-10" model\ncombined with the 10% commission waiver represents the absolute limit of\nour pricing capability. Anything below this would compromise our\noperational stability.\n\nWith the cycling season just around the corner, we believe now is the\nperfect time to launch this high-value partnership.\nDo you have a free slot for a brief call in the coming days to finalize\nthe details?\n\nBest regards,\nHenning\n\n**Customer:**\nHello,\n\nThank you for the detailed explanation.\n\nWould it be convenient for you to have a call on Monday at 2:00 PM with Mr. Baraa to finalize the details?\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 5 March 2026 at 10:04\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for your feedback. To ensure we move forward with full clarity, here are the details regarding our coverage and the financial structure:\n\n1. Our service is for a full comprehensive package with zero deductible. It is a true "worry-free" solution for cyclists, covering:\n- Theft & vandalism: Including stolen components like saddles or batteries.\n- Technical defects: Flat tires, broken chains, or faulty derailleurs.\n- Flexible repair solutions: Customers can visit any local bike shop, and karlbikes.com pays the invoice. However, we would prefer to source replacement parts directly from HBExclusive whenever possible to support your ecosystem.\n- Theft replacement: As discussed, for stolen bikes, the payout is directly connected to a replacement purchase at HBExclusive.\n\n2. Regarding our pricing, we must maintain a sustainable model to ensure all claims are paid reliably. Our premiums are calculated as follows.\n- Risk pool: The majority of the premium is strictly reserved for claim settlements to guarantee reliability.\n- Operational margin: We operate on a fixed percentage of the net premium for our administration and service.\n- Maximum discount: The cumulative discount of the "12-for-10" model combined with the 10% commission waiver represents the absolute limit of our pricing capability. Anything below this would compromise our operational stability.\n\nWith the cycling season just around the corner, we believe now is the perfect time to launch this high-value partnership.\nDo you have a free slot for a brief call in the coming days to finalize the details?\n\nBest regards,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nI am available at 2:00 PM today. You got an invite and here is the link:\nCall: hbexclusive.com <> karlbikes.com\nhttps://meet.google.com/yev-fubt-meu\n\nBest regards,\nHenning\n\n**Customer:**\nHello,\n\nI hope this message finds you well. I kindly request to postpone our meeting by 30 minutes, so it will start at 2:30 PM instead of the original time. I apologize for this change and hope for your understanding, as something unexpected has come up.\n\nThank you very much for your flexibility.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Monday, 9 March 2026 at 9:54\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI am available at 2:00 PM today. You got an invite and here is the link:\nCall: hbexclusive.com <> karlbikes.com\nhttps://meet.google.com/yev-fubt-meu\n\nBest regards,\nHenning\n\n**Karl Team:**\nNo worries, call is updated.\n\n**Karl Team:**\nHi Natalie,\n\nThank you for your patience and to Mr. Baraa for the productive call. I\nhope he is still safe in Dubai or already in Europe.\nI have consulted with our insurance carrier (Helvetia) and our founders\nregarding the "Theft Only" option. Here is our strategic feedback:\n\n- Theft is mathematically the largest risk factor in any policy. A "Theft\nOnly" product would not lead to the significant cost reduction you are\nlooking for. However, our comprehensive package is what truly drives\nconversion, as it provides total peace of mind for refurbished bikes.\n\nTo meet your budget requirements while maintaining a high-trust marketing\nmessage, we propose:\n- 6 Months free premium protection: Instead of 12 months, HB offers 6\nmonths of full coverage. This cuts your investment per bike in half and\nwe can provide a discount for you.\nSeamless transition: After 6 months, customers receive an automated offer\nto extend for a full year. Since the bikes are still "new" to them at\nthat point, renewal rates are typically very high. And every extended\npolicy is shared revenue for you.\nPay-per-activation: You only pay for customers who actually activate the\ninsurance after their purchase. This minimizes your financial risk\nsignificantly while it does not effect your campaign.\n\nShall I prepare a final calculation for this 6-month model? This allows\nyou to launch your campaign (Facebook, TikTok, Instagram) with a powerful\n"6 Months All-Inclusive Protection" message without overstretching your\nmarketing budget.\nLooking forward to hearing from you.\n\nBest,\nHenning\n\n**Customer:**\nHi Henning,\n\nI hope you are doing well.\n\nThank you for your detailed feedback and for outlining the 6-month model.\n\nPlease go ahead and provide your final offer for this proposal so that I can review it and consider the possibility of adjusting our plan accordingly.\n\nLooking forward to receiving it.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 11 March 2026 at 9:27\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for your patience and to Mr. Baraa for the productive call. I hope he is still safe in Dubai or already in Europe.\nI have consulted with our insurance carrier (Helvetia) and our founders regarding the "Theft Only" option. Here is our strategic feedback:\n\n- Theft is mathematically the largest risk factor in any policy. A "Theft Only" product would not lead to the significant cost reduction you are looking for. However, our comprehensive package is what truly drives conversion, as it provides total peace of mind for refurbished bikes.\n\nTo meet your budget requirements while maintaining a high-trust marketing message, we propose:\n- 6 Months free premium protection: Instead of 12 months, HB offers 6 months of full coverage. This cuts your investment per bike in half and we can provide a discount for you.\nSeamless transition: After 6 months, customers receive an automated offer to extend for a full year. Since the bikes are still "new" to them at that point, renewal rates are typically very high. And every extended policy is shared revenue for you.\nPay-per-activation: You only pay for customers who actually activate the insurance after their purchase. This minimizes your financial risk significantly while it does not effect your campaign.\n\nShall I prepare a final calculation for this 6-month model? This allows you to launch your campaign (Facebook, TikTok, Instagram) with a powerful "6 Months All-Inclusive Protection" message without overstretching your marketing budget.\nLooking forward to hearing from you.\n\nBest,\nHenning\n\n**Karl Team:**\nHi Natalie,\n\nthank you for your message. The start of the cycling season is indeed\nbusy, but we are excited to get this moving. I hope you’ve had a great\nweek as well.\n\nBased on our recent discussion, here is the finalized offer for the\n6-month "Conversion Booster" model:\n\nPricing Framework (€ 2,000 bike)\n- Standard price (6 months): € 54.00 (incl. 11% AT-insurance tax).\n- HBExclusive partner rate (6 months): € 45.00 \xa0(incl. 11% AT-insurance\ntax).\n- Calculation: This rate includes the free month discount and a 10%\ncommission waiver to provide you with the absolute best entry price for\nyour campaign.\n- Please note that insurance taxes and premiums vary by country; this is\na calculation example. Depending on your tax residence, the premiums paid\n(including tax) are generally deductible as a business expense, further\nreducing the effective cost for your company.\n\nFinancial upside for HBExclusive\n- Self-financing: By integrating the sale of ABUS locks into your\ncheckout, you can quickly recoup this investment per bike.\n- Recurring revenue: For every customer who extends their policy with us\nafter the initial 6 months, HBExclusive will receive a revenue share.\n- Re-Investment: In the event of a total loss, the insurance payout is\ndirectly connected to a replacement purchase at HBExclusive, ensuring\nlong-term customer loyalty.\n\nMarketing impact\n- A "6 Months Free Premium Protection" offer is a unique market advantage\nthat will significantly drive your conversion rates on your website. It\nconnects your customers to your brand for the long term through our\nshared ecosystem.\n\nWe are ready to finalize the technical onboarding so you can launch your\ncampaign in time for the peak season.\n\nBest regards,\nHenning\n\n**Customer:**\nHello Henning,\n\nThank you for your detailed "Conversion Booster" offer. We recognize the strong potential for mutual benefit.\n\nFor context, our average bike price is around €2,500, while your offer is based on a €2,000 bike and includes Austrian insurance tax. Most of our sales occur in the Netherlands, Germany, France, and Belgium, with daily volumes averaging 15 bikes or more during peak season.\n\nUnder the current terms, the daily cost is significant, which limits our ability to provide the "Conversion Booster" as a meaningful customer benefit without affecting our margins. That said, this initiative clearly offers substantial value to your company through a steady and sizable flow of potential clients via our channels.\n\nTo proceed, we need a practical and realistic proposal—one that allows us to offer this feature sustainably to our customers while ensuring you fully benefit from the client volume and continuity generated through us. Without such an offer, I am unable to move forward with this initiative.\n\nI look forward to your prompt response with a solution that enables us to take concrete steps toward collaboration.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 13 March 2026 at 11:05\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nthank you for your message. The start of the cycling season is indeed busy, but we are excited to get this moving. I hope you’ve had a great week as well.\n\nBased on our recent discussion, here is the finalized offer for the 6-month "Conversion Booster" model:\n\nPricing Framework (€ 2,000 bike)\n- Standard price (6 months): € 54.00 (incl. 11% AT-insurance tax).\n- HBExclusive partner rate (6 months): € 45.00  (incl. 11% AT-insurance tax).\n- Calculation: This rate includes the free month discount and a 10% commission waiver to provide you with the absolute best entry price for your campaign.\n- Please note that insurance taxes and premiums vary by country; this is a calculation example. Depending on your tax residence, the premiums paid (including tax) are generally deductible as a business expense, further reducing the effective cost for your company.\n\nFinancial upside for HBExclusive\n- Self-financing: By integrating the sale of ABUS locks into your checkout, you can quickly recoup this investment per bike.\n- Recurring revenue: For every customer who extends their policy with us after the initial 6 months, HBExclusive will receive a revenue share.\n- Re-Investment: In the event of a total loss, the insurance payout is directly connected to a replacement purchase at HBExclusive, ensuring long-term customer loyalty.\n\nMarketing impact\n- A "6 Months Free Premium Protection" offer is a unique market advantage that will significantly drive your conversion rates on your website. It connects your customers to your brand for the long term through our shared ecosystem.\n\nWe are ready to finalize the technical onboarding so you can launch your campaign in time for the peak season.\n\nBest regards,\nHenning\n\n## Similar Past Conversations\n\n--- Similar conversation (similarity: 1.00) ---\n**Customer:**\nHello,\n\nMy name is Natalie, and I am representing H&B Exclusive, a company based in the Netherlands. We specialize in selling refurbished bicycles, offering high-quality bikes at competitive prices.\n\nAs part of our ongoing efforts to enhance the services we provide to our customers, we are currently exploring the possibility of adding insurance options to our products. Therefore, we are looking for a reliable company to establish a long-term partnership with.\n\nWe would be grateful if you could provide us with more information about:\n\nYour available services and insurance packages\nPartnership conditions and requirements\n\nAny other relevant details that would help us evaluate a potential collaboration\n\nThank you very much for your time and consideration. We look forward to your response and hope to explore the possibility of working together.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n**Karl Team:**\nDear [CUSTOMER_NAME],\nThank you very much for your inquiry and for reaching out to us. We\nhighly appreciate your interest in a partnership with Karl!\nWe are fully open to collaborations in the field of used bicycle sales\nand are happy to insure refurbished bicycles.\n\nOur Insurance Offerings\nOur insurance package is a single premium package available to all\ncustomers. It provides comprehensive coverage for the bicycle and all\npermanently attached components listed in the policy (e.g., water\nbottles, navigation devices, lights, locks, baskets, etc.).\nThe bike is protected against:\n* Theft\n* Accidents/Falls\n* Vandalism\n* And more\xa0(Please see the attached policy conditions for a complete\noverview).\n\nThe premium is based on the bicycle\'s price and the payment frequency\n(annual or monthly).\nFor example:\n* A bicycle priced at €999\xa0can be insured for €83 annually\xa0or €7.60\nmonthly.\n* A high-end bicycle priced at €7.599\xa0can be insured for €258 annually\xa0or\n€23.50 monthly.\n\nTechnical Integration\nTechnically, we can offer a seamless solution where your customers are\noffered the insurance directly when purchasing a bicycle\xa0on your website.\nThe policy can be completed with just a few clicks\xa0during the checkout\nprocess.\n\nPartnership Model\nTo move forward, we would like to understand the desired structure of the\ncollaboration. What kind of partnership do you envision? How can we best\nsupport H&B Exclusive and your customers?\nWe are looking forward to your response and hope to discuss the details\nof a long-term collaboration soon.\n\nKind regards,\nHenning\n**Customer:**\nHello,\n\nThank you very much for the detailed information you provided. We truly appreciate the professionalism of your company and the way your services were presented.\n\nI have a few additional questions to better understand your offer. Could you please clarify what commission percentage our company would receive per customer, and what percentage of the bicycle’s price the customer would pay monthly under your insurance plan? Additionally, we would like to know if your insurance system is collective (group-based) or individual.\n\nOnce we have a clear understanding of these points, we can arrange a meeting to discuss the details and explore a potential partnership.\n\nLooking forward to your reply.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 3 December 2025 at 3:56\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nDear [CUSTOMER_NAME],\nThank you very much for your inquiry and for reaching out to us. We highly appreciate your interest in a partnership with Karl!\nWe are fully open to collaborations in the field of used bicycle sales and are happy to insure refurbished bicycles.\n\nOur Insurance Offerings\nOur insurance package is a single premium package available to all customers. It provides comprehensive coverage for the bicycle and all permanently attached components listed in the policy (e.g., water bottles, navigation devices, lights, locks, baskets, etc.).\nThe bike is protected against:\n\n  *\nTheft\n  *\nAccidents/Falls\n  *\nVandalism\n  *\nAnd more (Please see the attached policy conditions for a complete overview).\n\nThe premium is based on the bicycle\'s price and the payment frequency (annual or monthly).\nFor example:\n\n  *\nA bicycle priced at €999 can be insured for €83 annually or €7.60 monthly.\n  *\nA high-end bicycle priced at €7.599 can be insured for €258 annually or €23.50 monthly.\n\nTechnical Integration\nTechnically, we can offer a seamless solution where your customers are offered the insurance directly when purchasing a bicycle on your website. The policy can be completed with just a few clicks during the checkout process.\n\nPartnership Model\nTo move forward, we would like to understand the desired structure of the collaboration. What kind of partnership do you envision? How can we best support H&B Exclusive and your customers?\nWe are looking forward to your response and hope to discuss the details of a long-term collaboration soon.\n\nKind regards,\nHenning\n**Karl Team:**\nDear [CUSTOMER_NAME],\nThank you for your response and positive feedback. I am happy to clarify\nyour additional questions.\nOur commission model is based on renewal commissions\xa0and is structured as\nfollows:\n* Commission Rate:\xa0H&B Exclusive would receive a commission of 10% of the\nnet premium\xa0for every successfully concluded policy.\n* Payment Frequency:\xa0Commissions are paid in alignment with the\ncustomer\'s payment cycle. If the customer chooses an annual payment, the\ncommission is paid annually. If they choose a monthly payment, the\ncommission is paid monthly.\nThe premium is calculated based on the total value of the insured\ngoods\xa0(bicycle plus permanently attached accessories like a navigation\ndevice) according to a fixed risk table. Since the premium is based on a\nfixed amount rather than a universal percentage, we can provide specific\nannual rates based on the bike\'s total value:\n* Bike only:\xa0A bike worth €2,000\xa0has an annual premium of €99.00\xa0or €9.00\nmonthly.\n* Bike + device:\xa0If a customer adds parts like a Wahoo worth €400, the\ntotal insured value is €2,400. This then has an annual premium of\n€109.00\xa0or €10.00 monthly.\nAs you noted, the final premium remains constant as our offer includes no\ndeductible.\nOur system is based on individual policies.\nEvery customer concludes a separate contract directly with Karl, and the\npremium is individually calculated based on the value of their specific\nbicycle. We cannot offer a collective (group-based) insurance system for\nall customers of H&B Exclusive due to the significant differences in\nbicycle values. This individual approach ensures maximum transparency and\nfairness for the customer.\n\nI hope this clarifies your additional questions. As we now have a clear\nunderstanding of the model, we are ready to arrange the meeting you\nsuggested to discuss the legal and technical implementation of the\npartnership.\nKind regards,\nHenning\n**Customer:**\nHello,\n\nI hope this email finds you well.\n\nThank you very much for the detailed information.\nWould it be convenient for you to have a meeting tomorrow at 3:00 PM?\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Monday, 8 December 2025 at 10:49\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nDear [CUSTOMER_NAME],\nThank you for your response and positive feedback. I am happy to clarify your additional questions.\nOur commission model is based on renewal commissions and is structured as follows:\n\n  *\nCommission Rate: H&B Exclusive would receive a commission of 10% of the net premium for every successfully concluded policy.\n  *\nPayment Frequency: Commissions are paid in alignment with the customer\'s payment cycle. If the customer chooses an annual payment, the commission is paid annually. If they choose a monthly payment, the commission is paid monthly.\n\nThe premium is calculated based on the total value of the insured goods (bicycle plus permanently attached accessories like a navigation device) according to a fixed risk table. Since the premium is based on a fixed amount rather than a universal percentage, we can provide specific annual rates based on the bike\'s total value:\n\n  *\nBike only: A bike worth €2,000 has an annual premium of €99.00 or €9.00 monthly.\n  *\nBike + device: If a customer adds parts like a Wahoo worth €400, the total insured value is €2,400. This then has an annual premium of €109.00 or €10.00 monthly.\n\nAs you noted, the final premium remains constant as our offer includes no deductible.\nOur system is based on individual policies.\nEvery customer concludes a separate contract directly with Karl, and the premium is individually calculated based on the value of their specific bicycle. We cannot offer a collective (group-based) insurance system for all customers of H&B Exclusive due to the significant differences in bicycle values. This individual approach ensures maximum transparency and fairness for the customer.\n\nI hope this clarifies your additional questions. As we now have a clear understanding of the model, we are ready to arrange the meeting you suggested to discuss the legal and technical implementation of the partnership.\nKind regards,\nHenning\n**Karl Team:**\nHi Natalie,\nSorry for the late reply — we’re very busy at the moment. Unfortunately,\nwe won’t be able to make the appointment right now, but I’ll send you\nsome alternative time slots.\n\nBest regards,\nHenning\n**Customer:**\nHi Henning,\n\nThank you for your message. I look forward to receiving the alternative time slots at your earliest convenience.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 12 December 2025 at 1:49\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\nSorry for the late reply — we’re very busy at the moment. Unfortunately, we won’t be able to make the appointment right now, but I’ll send you some alternative time slots.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nwould you be available tomorrow at 1pm?\nPlease let me know and we will happily send an invite.\nKind regards and looking forward to speaking soon.\nPhilip\n**Customer:**\nHi Philip,\n\nThank you for your message.\nWould it be possible to schedule the meeting at 2:00 PM instead of 1:00 PM?\nPlease let me know if that works for you.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Tuesday, 16 December 2025 at 6:36\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nwould you be available tomorrow at 1pm?\nPlease let me know and we will happily send an invite.\nKind regards and looking forward to speaking soon.\nPhilip\n**Karl Team:**\nHi Natalie,\n\nI can not do 2 but am free at 3.30 if that works for you.\nIf so please feel to send an invite for a call.\nKind regards\nPhilip\n**Customer:**\nHi Philip,\n\nThank you for your message.\n3:30 PM works well for us.\n\nCould you please share your phone number so we can contact you?\nPlease note that the meeting will be held with Mr. Baraa to discuss the next steps.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 17 December 2025 at 11:25\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI can not do 2 but am free at 3.30 if that works for you.\nIf so please feel to send an invite for a call.\nKind regards\nPhilip\n**Customer:**\nHello,\n\nI would like to confirm our meeting and kindly request either a contact number or the meeting link so we can join at the scheduled time without any issues.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 17 December 2025 at 11:25\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI can not do 2 but am free at 3.30 if that works for you.\nIf so please feel to send an invite for a call.\nKind regards\nPhilip\n**Karl Team:**\nHi Natalie\n\nMy mobile is [PHONE]Kind regards\nPhilip\n**Customer:**\nHi Philip,\n\nI hope this message finds you well.\n\nMr. Baraa has updated me on the conversation that took place between you, and I really appreciate the time and effort you’ve already dedicated. I’m looking forward to receiving an email from you with all the details and offers discussed, as it will help us move forward smoothly.\n\nPlease don’t hesitate to reach out if you need any further information from our side. I’m eager to hear from you and get everything clarified so we can proceed efficiently.\n\nThank you very much for your support and cooperation.\n\nBest regards,\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 17 December 2025 at 3:28\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie\n\nMy mobile is [PHONE_4]Kind regards\nPhilip\n**Karl Team:**\nHi Natalie,\nThank you for your feedback and patience.\nMany shop cooperations with insurance providers fail due to complexity\nand additional administrative burden. That is exactly why we built Karl\nto be as simple as possible. Our goal is to be not only the friendliest\ninsurance for cyclists but also the most straightforward partner for you.\nHere are the details of our cooperation offer:\n\nScope of Insurance\xa0(E-)Bikes, including all permanently attached parts\n(e.g., wheelsets, forks, trip computers, locks), are fully protected with\nall-risk coverage including accidental damage (falls), theft, fire, and\nweather-related damage.\n* Note:\xa0Philip and Mr. Baraa considered a theft-only insurance as an\noption. If that is your main interest, we can provide that as well.\n\nCompensation\xa0We reimburse 100% in the 1st year, 80% in the 2nd year, and\n70% of the purchase price permanently from the 3rd year onwards. This\nensures that premiums remain stable in the long term.\n\nCoverage & Usage\xa0Our coverage is valid worldwide; customers only need a\nplace of residence within the EU. Unlike many competitors, both\ncommercial use and the use of the bicycle in sporting events are included\nat no extra charge.\n\nShop Checkout\xa0With us, it is true "Plug & Play." Via a simple link, we\ncan automatically transfer relevant data such as name, email address,\nframe number, and purchase price, so that the insurance signup is\ncompleted for your customers in just a few seconds. If you prefer to\navoid any data transfer, we can alternatively offer a simple referral\nlink to the application page. We are happy to adapt entirely to your\npreferences.\n\nCommission\xa0You will receive a 10% commission on the net premium. This\nmodel is legally secure as a referral (tipster) solution and is quick and\neasy to implement. We intentionally avoid one-time sales commissions for\nnon-brokers, as these are often legally complex.\n\nWhy Karl?\xa0No fine print, no delays, no worries.\xa0We work transparently and\nin partnership. There is no fine print in our terms and conditions, and\nin the event of a claim, we help immediately and pay out quickly. Our\npartner shops especially appreciate that we do not require a cost\nestimate for repairs up to €1,000. We trust our customers and partners –\njust as they trust us.\n\nWe believe that a great insurance experience should be like riding a bike\n– simple, fast, and always there for you. https://karlbikes.com\nAre there any details missing that you need from our side? Please don’t\nhesitate to reach out.\nKind regards, Henning\n**Customer:**\nHello,\n\nThank you for your message, and apologies for the delay in our response.\n\nWe have discussed these details internally, Mr Baraa and I have discussed these details, and we would like to schedule a meeting to confirm a few remaining points and discuss how we will proceed with our cooperation and the next steps.\n\nPlease let us know your availability so we can arrange a suitable time.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 14 January 2026 at 5:36\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\nThank you for your feedback and patience.\nMany shop cooperations with insurance providers fail due to complexity and additional administrative burden. That is exactly why we built Karl to be as simple as possible. Our goal is to be not only the friendliest insurance for cyclists but also the most straightforward partner for you.\nHere are the details of our cooperation offer:\n\nScope of Insurance (E-)Bikes, including all permanently attached parts (e.g., wheelsets, forks, trip computers, locks), are fully protected with all-risk coverage including accidental damage (falls), theft, fire, and weather-related damage.\n\n  *\nNote: Philip and Mr. Baraa considered a theft-only insurance as an option. If that is your main interest, we can provide that as well.\n\nCompensation We reimburse 100% in the 1st year, 80% in the 2nd year, and 70% of the purchase price permanently from the 3rd year onwards. This ensures that premiums remain stable in the long term.\n\nCoverage & Usage Our coverage is valid worldwide; customers only need a place of residence within the EU. Unlike many competitors, both commercial use and the use of the bicycle in sporting events are included at no extra charge.\n\nShop Checkout With us, it is true "Plug & Play." Via a simple link, we can automatically transfer relevant data such as name, email address, frame number, and purchase price, so that the insurance signup is completed for your customers in just a few seconds. If you prefer to avoid any data transfer, we can alternatively offer a simple referral link to the application page. We are happy to adapt entirely to your preferences.\n\nCommission You will receive a 10% commission on the net premium. This model is legally secure as a referral (tipster) solution and is quick and easy to implement. We intentionally avoid one-time sales commissions for non-brokers, as these are often legally complex.\n\nWhy Karl? No fine print, no delays, no worries. We work transparently and in partnership. There is no fine print in our terms and conditions, and in the event of a claim, we help immediately and pay out quickly. Our partner shops especially appreciate that we do not require a cost estimate for repairs up to €1,000. We trust our customers and partners – just as they trust us.\n\nWe believe that a great insurance experience should be like riding a bike – simple, fast, and always there for you. https://karlbikes.com\nAre there any details missing that you need from our side? Please don’t hesitate to reach out.\nKind regards, Henning\n**Karl Team:**\nHi Natalie,\n\nThat’s great news. We are available next Thursday, 12.02., at 14:00 or\n16:00. If one of these slots suits your schedule, please feel free to\nsend over an invite.\nI am looking forward to moving forward with our cooperation.\n\nBest regards,\nHenning\n**Customer:**\nHello ,\n\nI just wanted to confirm that the meeting scheduled for tomorrow, Thursday, February 12, at 2:00 PM with Mr. Baraa, will go ahead as agreed.\n\nCould you please send the meeting invitation in advance so that\nwe can be sure there won\'t be any delays?\n\nThank you in advance!\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 5 February 2026 at 9:07\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThat’s great news. We are available next Thursday, 12.02., at 14:00 or 16:00. If one of these slots suits your schedule, please feel free to send over an invite.\nI am looking forward to moving forward with our cooperation.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nI just sent you the invite for our call today at 14:00.\nGoogle Meet link:\xa0https://meet.google.com/jpa-hivm-mei\xa0\nSee you later.\n\nBest,\nHenning\n**Customer:**\nHi,\n\nThank you.\n\nHave a nice day.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 12 February 2026 at 10:41\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI just sent you the invite for our call today at 14:00.\nGoogle Meet link: https://meet.google.com/jpa-hivm-mei\nSee you later.\n\nBest,\nHenning\n**Karl Team:**\nHi Natalie,\n\ncould you please connect me to Mr. Baraa. We would like to hand in our\npartnership offer.\n\nBest regards,\nHenning\n**Customer:**\nHi Henning,\n\nIt’s a pleasure to hear from you! I hope you are doing well.\n\nKindly share your partnership offer via this email. Everything will be carefully reviewed by me first, and any observations or feedback will then be forwarded to Mr. Baraa for his final review. I appreciate your understanding regarding this process.\n\nLooking forward to receiving your offer.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 19 February 2026 at 10:03\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\ncould you please connect me to Mr. Baraa. We would like to hand in our partnership offer.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nthank your for forwarding our partnership offer. The new proposal is\nattached.\n\nDear HB Exclusive-Team,\n\nIt was great talking to you. I’ve spent some time analyzing the HB\nExclusive checkout experience.\nTo achieve your goal of an "all-inclusive" feeling without creating\nadministrative liability for HB, I propose a smart integration model:\n* Zero-liability integration:\xa0Instead of HB being the policyholder, we\noffer a "12-for-10" months deal. Your customers get 2 months free, but\nthey activate the protection themselves. You get the marketing impact; we\nhandle 100% of the administration.\n* Guaranteed re-investment:\xa0Our policy ensures that in case of theft, the\ninsurance sum is paid directly to HB Exclusive. This guarantees that your\ncustomers stay within your ecosystem for their replacement bike.\n* Checkout trust-bundle:\xa0By adding Abus locks\xa0and karlbikes.com\xa0as smart\nadd-ons to your currently "lean" checkout, we transform the purchase from\na simple transaction into a high-trust experience.\n* Local Service Network:\xa0We act as the bridge between your online shop\nand the physical world. Your customers get access to our EU-wide workshop\nnetwork for local repairs, without any extra work for your team.\n\nI have attached a One-Pager\xa0with the technical details. Let’s jump on a\nquick call next week to discuss how to proceed.\n\nBest regards,\nHenning\n**Customer:**\nHi,\n\nThank you very much for the clarification, and I have reviewed the proposal carefully.\n\nI would like to ask whether the actual calculations related to the offers you will provide to our customers have been finalized on your side, as we need to confirm this point before moving forward with the final stages of the cooperation.\n\nIf these details have been arranged, please let me know so I can schedule a meeting for you with Mr. Bara to discuss the next steps.\n\nLooking forward to your reply.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 20 February 2026 at 12:17\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nthank your for forwarding our partnership offer. The new proposal is attached.\n\nDear HB Exclusive-Team,\n\nIt was great talking to you. I’ve spent some time analyzing the HB Exclusive checkout experience.\nTo achieve your goal of an "all-inclusive" feeling without creating administrative liability for HB, I propose a smart integration model:\n\n  *\nZero-liability integration: Instead of HB being the policyholder, we offer a "12-for-10" months deal. Your customers get 2 months free, but they activate the protection themselves. You get the marketing impact; we handle 100% of the administration.\n  *\nGuaranteed re-investment: Our policy ensures that in case of theft, the insurance sum is paid directly to HB Exclusive. This guarantees that your customers stay within your ecosystem for their replacement bike.\n  *\nCheckout trust-bundle: By adding Abus locks and karlbikes.com as smart add-ons to your currently "lean" checkout, we transform the purchase from a simple transaction into a high-trust experience.\n  *\nLocal Service Network: We act as the bridge between your online shop and the physical world. Your customers get access to our EU-wide workshop network for local repairs, without any extra work for your team.\n\nI have attached a One-Pager with the technical details. Let’s jump on a quick call next week to discuss how to proceed.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nthank you for the update. I have finalized the calculations for the HB\nExclusive customer offer.\nAs discussed, we are providing a special "12-for-10" partnership rate. By\nchoosing our service in your checkout, your customers receive the full\nkarlbikes.com\xa0premium protection for one year while effectively paying\nfor only 10 months compared to our standard plan.\n\nHere are the specific annual premiums for your main bike price brackets\nincluding Austrian insurance taxes:\n€2.000 Bike:\xa0€90.75 / year (customer saves €17.25)\n€2.500 Bike:\xa0€101.75 / year (customer saves €19.45)\n€3.000 Bike:\xa0€114.60 / year (customer saves €22.20)\nThis adds a high-value Add-On to your checkout for the best price for\nyour customers, while we handle 100% of the administration and liability.\n\nI am available for a call with Mr. Baraa next week to discuss the\nseamless integration and next steps.\n\nBest regards,\nHenning\n**Customer:**\nHello,\n\nThank you very much for your detailed message and for clearly outlining the proposed 12-for-10 partnership structure.\n\nAfter carefully reviewing your email and the proposed framework, I would like to share a few important points to ensure we are fully aligned on the structure of our cooperation.\n\nFrom our side, the insurance premium for the first year would not be presented as an optional add-on for the customer. Instead, H&B Exclusive intends to insure all bicycles directly. This means that when a customer purchases a bike from us, it will already include one year of insurance as a complimentary benefit. In this case, H&B Exclusive would be covering the cost of the first-year premium, not the end customer.\n\nBased on this structure, there are two key aspects to consider:\n\nDirect Cooperation & Billing\nThe first-year premium would be handled directly between our companies, as we would be insuring approxinately every bike sold.\nGuaranteed and Continuous Customer Flow\nSince insurance would not be optional but automatically included, this guarantees you a steady and recurring volume of insured customers corresponding to our actual sales volume. In other words, we would be delivering you consistent business rather than occasional opt-in policies.\n\nFor this reason, the benefit should be mutual and strategically structured. We are investing significantly in marketing, advertising, and brand positioning to attract these customers. In return, we would expect a very competitive annual rate for the first year under this partnership model.\n\nAdditionally, as previously discussed, we believe that cross-visibility would further strengthen our collaboration. Just as we would recommend your insurance services to our customers, we would appreciate being listed on your website as a recommended and trusted bike partner.\n\nWe truly believe that, if structured correctly, this cooperation can generate substantial and long-term value for both parties. I kindly ask you to review this proposal from a strategic partnership perspective, and I look forward to your feedback and hopefully positive news soon.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 25 February 2026 at 6:13\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nthank you for the update. I have finalized the calculations for the HB Exclusive customer offer.\nAs discussed, we are providing a special "12-for-10" partnership rate. By choosing our service in your checkout, your customers receive the full karlbikes.com premium protection for one year while effectively paying for only 10 months compared to our standard plan.\n\nHere are the specific annual premiums for your main bike price brackets including Austrian insurance taxes:\n€2.000 Bike: €90.75 / year (customer saves €17.25)\n€2.500 Bike: €101.75 / year (customer saves €19.45)\n€3.000 Bike: €114.60 / year (customer saves €22.20)\nThis adds a high-value Add-On to your checkout for the best price for your customers, while we handle 100% of the administration and liability.\n\nI am available for a call with Mr. Baraa next week to discuss the seamless integration and next steps.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nThank you for the ongoing coordination. To prepare for the meeting with\nMr. Baraa, I would like to refine our proposal to ensure a stable and\nlong-term partnership.\nAt karlbikes.com, our priority is providing a reliable, digital-first\ninsurance solution. To maintain this quality and handle all claims and\nadministration EU-wide, our premiums are calculated to reflect the actual\nrisk and service overhead.\n\nWe are very keen to cooperate with HB Exclusive and are ready to create a\ntailor-made solution for our partnership. Our goal is to improve your\nconversion rate and ensure that your customers\' bikes are perfectly\nprotected. To find the most sustainable way forward for both sides, it\nwould be helpful to have a bit more detail regarding the sales data:\nCurrent sales data:\xa0Could you provide a brief overview of the actual\nsales volume per month/year for the European markets?\nGrowth projections:\xa0What are the realistic targets for the next 12\nmonths?\n\nUnderstanding the actual fluctuation will allow us to offer the most\ncompetitive partnership rate without compromising the stability of the\ninsurance product. I am confident that we will find a solution that works\nfor everyone and look forward to your reply.\n\nBest regards,\nHenning\n**Customer:**\nDear [CUSTOMER_NAME],\n\nThank you very much for your continuous coordination and for your interest in exploring a potential future partnership between us. I truly appreciate this communication and am confident that we can soon build a strong and long-term cooperation that benefits both parties.\n\nRegarding your questions:\n\n* Current sales data:\nThis year, we have sold approximately 3,500 bicycles.\n\n* Growth projections:\nWe are currently developing our operations by opening a new branch in Romania. We are planning to establish an additional operational presence there to support our business activities. As we are relatively occupied with the preparation process for the new branch, our sales volume in the coming period may remain at a similar level or experience gradual growth, while we maintain our long-term ambition for stronger expansion.\n\nWe believe that cooperation between us will create significant value for both parties, particularly in improving customer conversion rates and providing high-quality protection solutions for our customers’ bicycles.\n\nI am looking forward to your reply with great anticipation and hope to hear from you soon.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 27 February 2026 at 1:48\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for the ongoing coordination. To prepare for the meeting with Mr. Baraa, I would like to refine our proposal to ensure a stable and long-term partnership.\nAt karlbikes.com, our priority is providing a reliable, digital-first insurance solution. To maintain this quality and handle all claims and administration EU-wide, our premiums are calculated to reflect the actual risk and service overhead.\n\nWe are very keen to cooperate with HB Exclusive and are ready to create a tailor-made solution for our partnership. Our goal is to improve your conversion rate and ensure that your customers\' bikes are perfectly protected. To find the most sustainable way forward for both sides, it would be helpful to have a bit more detail regarding the sales data:\nCurrent sales data: Could you provide a brief overview of the actual sales volume per month/year for the European markets?\nGrowth projections: What are the realistic targets for the next 12 months?\n\nUnderstanding the actual fluctuation will allow us to offer the most competitive partnership rate without compromising the stability of the insurance product. I am confident that we will find a solution that works for everyone and look forward to your reply.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nThank you for the insights regarding your sales volume and expansion\nplans. Based on these figures, we have finalized a tailor-made package\nfor HB Exclusive that reflects our shared ambition.\n\nBy combining our "12-for-10" partner model with a full waiver of our\nstandard commission, we create a cumulative discount that significantly\noutperforms standard market rates. We are committed to this investment\nbecause we see immense potential in new customers and the substantial\nboost this will provide to your customer conversion rate.\n\nCore pillars of our partnership:\n- Our end-to-end handling of registration, insurance, and claims\nmanagement serves as a high-value add-on for your customers, while\nrequiring zero administrative effort from your team.\n- In the event of a claim, we guarantee to direct customers straight back\nto HB Exclusive for their replacement bike. This ensures that the\ninsurance payout remains a guaranteed future sale within your shop.\n- Beyond the initial year, we are offering to involve HB Exclusive in the\nrevenue of future renewals for as long as the customer maintains their\nprotection with us. This creates a recurring value stream for your\nbusiness.\n- Your customers gain access to our extensive network of partner\nworkshops across Europe for local repairs, bridging the gap between your\nonline shop and physical service.\n\nOur service is designed to be the backbone of this partnership, creating\na sustainable "all-inclusive" feeling for your buyers.\nLooking forward to your reply.\n\nBest regards,\nHenning\n**Customer:**\nDear [CUSTOMER_NAME],\n\nThank you very much for your detailed explanation and for the comprehensive proposal you have prepared for H&B Exclusive.\nI truly appreciate the effort behind this tailor-made offer and your clear intention to build a strong and mutually beneficial partnership. This is very much aligned with our vision as well. I believe our discussions so far represent a very positive and constructive starting point for both sides, with promising ideas and real potential.\n\nBefore we proceed further, I would kindly ask for clarification on two key points:\n\n1. Scope of Insurance Coverage\nCould you please confirm whether the current offer applies to theft insurance only, or if it includes comprehensive coverage as well?\n\n2. Pricing Calculation per Bike\nI would also appreciate a clear explanation of how the annual insurance cost per bicycle is calculated. This point is extremely important for us, as it forms the basis for estimating the overall project costs and assessing the financial structure on our side before we move forward confidently.\n\nI fully understand that pricing may vary depending on the type and condition of the bicycles. However, I would kindly ask you to explain the calculation methodology or provide a structured example so we can determine an approximate cost framework for the project.\n\nThank you in advance for your clarification. I truly value your prompt response and look forward to continuing our discussion and developing this partnership further.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Tuesday, 3 March 2026 at 2:12\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for the insights regarding your sales volume and expansion plans. Based on these figures, we have finalized a tailor-made package for HB Exclusive that reflects our shared ambition.\n\nBy combining our "12-for-10" partner model with a full waiver of our standard commission, we create a cumulative discount that significantly outperforms standard market rates. We are committed to this investment because we see immense potential in new customers and the substantial boost this will provide to your customer conversion rate.\n\nCore pillars of our partnership:\n- Our end-to-end handling of registration, insurance, and claims management serves as a high-value add-on for your customers, while requiring zero administrative effort from your team.\n- In the event of a claim, we guarantee to direct customers straight back to HB Exclusive for their replacement bike. This ensures that the insurance payout remains a guaranteed future sale within your shop.\n- Beyond the initial year, we are offering to involve HB Exclusive in the revenue of future renewals for as long as the customer maintains their protection with us. This creates a recurring value stream for your business.\n- Your customers gain access to our extensive network of partner workshops across Europe for local repairs, bridging the gap between your online shop and physical service.\n\nOur service is designed to be the backbone of this partnership, creating a sustainable "all-inclusive" feeling for your buyers.\nLooking forward to your reply.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nThank you for your feedback. To ensure we move forward with full clarity,\nhere are the details regarding our coverage and the financial structure:\n\n1. Our service is for a full comprehensive package with zero deductible.\nIt is a true "worry-free" solution for cyclists, covering:\n- Theft & vandalism: Including stolen components like saddles or\nbatteries.\n- Technical defects: Flat tires, broken chains, or faulty derailleurs.\n- Flexible repair solutions: Customers can visit any local bike shop, and\nkarlbikes.com pays the invoice. However, we would prefer to source\nreplacement parts directly from HBExclusive whenever possible to support\nyour ecosystem.\n- Theft replacement: As discussed, for stolen bikes, the payout is\ndirectly connected to a replacement purchase at HBExclusive.\n\n2. Regarding our pricing, we must maintain a sustainable model to ensure\nall claims are paid reliably. Our premiums are calculated as follows.\n- Risk pool: The majority of the premium is strictly reserved for claim\nsettlements to guarantee reliability.\n- Operational margin: We operate on a fixed percentage of the net premium\nfor our administration and service.\n- Maximum discount: The cumulative discount of the "12-for-10" model\ncombined with the 10% commission waiver represents the absolute limit of\nour pricing capability. Anything below this would compromise our\noperational stability.\n\nWith the cycling season just around the corner, we believe now is the\nperfect time to launch this high-value partnership.\nDo you have a free slot for a brief call in the coming days to finalize\nthe details?\n\nBest regards,\nHenning\n**Customer:**\nHello,\n\nThank you for the detailed explanation.\n\nWould it be convenient for you to have a call on Monday at 2:00 PM with Mr. Baraa to finalize the details?\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Thursday, 5 March 2026 at 10:04\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for your feedback. To ensure we move forward with full clarity, here are the details regarding our coverage and the financial structure:\n\n1. Our service is for a full comprehensive package with zero deductible. It is a true "worry-free" solution for cyclists, covering:\n- Theft & vandalism: Including stolen components like saddles or batteries.\n- Technical defects: Flat tires, broken chains, or faulty derailleurs.\n- Flexible repair solutions: Customers can visit any local bike shop, and karlbikes.com pays the invoice. However, we would prefer to source replacement parts directly from HBExclusive whenever possible to support your ecosystem.\n- Theft replacement: As discussed, for stolen bikes, the payout is directly connected to a replacement purchase at HBExclusive.\n\n2. Regarding our pricing, we must maintain a sustainable model to ensure all claims are paid reliably. Our premiums are calculated as follows.\n- Risk pool: The majority of the premium is strictly reserved for claim settlements to guarantee reliability.\n- Operational margin: We operate on a fixed percentage of the net premium for our administration and service.\n- Maximum discount: The cumulative discount of the "12-for-10" model combined with the 10% commission waiver represents the absolute limit of our pricing capability. Anything below this would compromise our operational stability.\n\nWith the cycling season just around the corner, we believe now is the perfect time to launch this high-value partnership.\nDo you have a free slot for a brief call in the coming days to finalize the details?\n\nBest regards,\nHenning\n**Karl Team:**\nHi Natalie,\n\nI am available at 2:00 PM today. You got an invite and here is the link:\nCall: hbexclusive.com <> karlbikes.com\nhttps://meet.google.com/yev-fubt-meu\n\nBest regards,\nHenning\n**Customer:**\nHello,\n\nI hope this message finds you well. I kindly request to postpone our meeting by 30 minutes, so it will start at 2:30 PM instead of the original time. I apologize for this change and hope for your understanding, as something unexpected has come up.\n\nThank you very much for your flexibility.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Monday, 9 March 2026 at 9:54\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nI am available at 2:00 PM today. You got an invite and here is the link:\nCall: hbexclusive.com <> karlbikes.com\nhttps://meet.google.com/yev-fubt-meu\n\nBest regards,\nHenning\n**Karl Team:**\nNo worries, call is updated.\n**Karl Team:**\nHi Natalie,\n\nThank you for your patience and to Mr. Baraa for the productive call. I\nhope he is still safe in Dubai or already in Europe.\nI have consulted with our insurance carrier (Helvetia) and our founders\nregarding the "Theft Only" option. Here is our strategic feedback:\n\n- Theft is mathematically the largest risk factor in any policy. A "Theft\nOnly" product would not lead to the significant cost reduction you are\nlooking for. However, our comprehensive package is what truly drives\nconversion, as it provides total peace of mind for refurbished bikes.\n\nTo meet your budget requirements while maintaining a high-trust marketing\nmessage, we propose:\n- 6 Months free premium protection: Instead of 12 months, HB offers 6\nmonths of full coverage. This cuts your investment per bike in half and\nwe can provide a discount for you.\nSeamless transition: After 6 months, customers receive an automated offer\nto extend for a full year. Since the bikes are still "new" to them at\nthat point, renewal rates are typically very high. And every extended\npolicy is shared revenue for you.\nPay-per-activation: You only pay for customers who actually activate the\ninsurance after their purchase. This minimizes your financial risk\nsignificantly while it does not effect your campaign.\n\nShall I prepare a final calculation for this 6-month model? This allows\nyou to launch your campaign (Facebook, TikTok, Instagram) with a powerful\n"6 Months All-Inclusive Protection" message without overstretching your\nmarketing budget.\nLooking forward to hearing from you.\n\nBest,\nHenning\n**Customer:**\nHi Henning,\n\nI hope you are doing well.\n\nThank you for your detailed feedback and for outlining the 6-month model.\n\nPlease go ahead and provide your final offer for this proposal so that I can review it and consider the possibility of adjusting our plan accordingly.\n\nLooking forward to receiving it.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Wednesday, 11 March 2026 at 9:27\u202fPM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nThank you for your patience and to Mr. Baraa for the productive call. I hope he is still safe in Dubai or already in Europe.\nI have consulted with our insurance carrier (Helvetia) and our founders regarding the "Theft Only" option. Here is our strategic feedback:\n\n- Theft is mathematically the largest risk factor in any policy. A "Theft Only" product would not lead to the significant cost reduction you are looking for. However, our comprehensive package is what truly drives conversion, as it provides total peace of mind for refurbished bikes.\n\nTo meet your budget requirements while maintaining a high-trust marketing message, we propose:\n- 6 Months free premium protection: Instead of 12 months, HB offers 6 months of full coverage. This cuts your investment per bike in half and we can provide a discount for you.\nSeamless transition: After 6 months, customers receive an automated offer to extend for a full year. Since the bikes are still "new" to them at that point, renewal rates are typically very high. And every extended policy is shared revenue for you.\nPay-per-activation: You only pay for customers who actually activate the insurance after their purchase. This minimizes your financial risk significantly while it does not effect your campaign.\n\nShall I prepare a final calculation for this 6-month model? This allows you to launch your campaign (Facebook, TikTok, Instagram) with a powerful "6 Months All-Inclusive Protection" message without overstretching your marketing budget.\nLooking forward to hearing from you.\n\nBest,\nHenning\n**Karl Team:**\nHi Natalie,\n\nthank you for your message. The start of the cycling season is indeed\nbusy, but we are excited to get this moving. I hope you’ve had a great\nweek as well.\n\nBased on our recent discussion, here is the finalized offer for the\n6-month "Conversion Booster" model:\n\nPricing Framework (€ 2,000 bike)\n- Standard price (6 months): € 54.00 (incl. 11% AT-insurance tax).\n- HBExclusive partner rate (6 months): € 45.00 \xa0(incl. 11% AT-insurance\ntax).\n- Calculation: This rate includes the free month discount and a 10%\ncommission waiver to provide you with the absolute best entry price for\nyour campaign.\n- Please note that insurance taxes and premiums vary by country; this is\na calculation example. Depending on your tax residence, the premiums paid\n(including tax) are generally deductible as a business expense, further\nreducing the effective cost for your company.\n\nFinancial upside for HBExclusive\n- Self-financing: By integrating the sale of ABUS locks into your\ncheckout, you can quickly recoup this investment per bike.\n- Recurring revenue: For every customer who extends their policy with us\nafter the initial 6 months, HBExclusive will receive a revenue share.\n- Re-Investment: In the event of a total loss, the insurance payout is\ndirectly connected to a replacement purchase at HBExclusive, ensuring\nlong-term customer loyalty.\n\nMarketing impact\n- A "6 Months Free Premium Protection" offer is a unique market advantage\nthat will significantly drive your conversion rates on your website. It\nconnects your customers to your brand for the long term through our\nshared ecosystem.\n\nWe are ready to finalize the technical onboarding so you can launch your\ncampaign in time for the peak season.\n\nBest regards,\nHenning\n**Customer:**\nHello Henning,\n\nThank you for your detailed "Conversion Booster" offer. We recognize the strong potential for mutual benefit.\n\nFor context, our average bike price is around €2,500, while your offer is based on a €2,000 bike and includes Austrian insurance tax. Most of our sales occur in the Netherlands, Germany, France, and Belgium, with daily volumes averaging 15 bikes or more during peak season.\n\nUnder the current terms, the daily cost is significant, which limits our ability to provide the "Conversion Booster" as a meaningful customer benefit without affecting our margins. That said, this initiative clearly offers substantial value to your company through a steady and sizable flow of potential clients via our channels.\n\nTo proceed, we need a practical and realistic proposal—one that allows us to offer this feature sustainably to our customers while ensuring you fully benefit from the client volume and continuity generated through us. Without such an offer, I am unable to move forward with this initiative.\n\nI look forward to your prompt response with a solution that enables us to take concrete steps toward collaboration.\n\nMet vriendelijke groet,\n\nMit freundlichen Grüßen,\n\nSincerely,\n\nCordialement,\n\nNatalie\n\nH&B Exclusive\n\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\n\nSpoorstraat [PHONE_3]CM Boxmeer\n\nNederland\n\n[signatureImage]\n\nFrom: Karl <hallo@karlbikes.com>\nDate: Friday, 13 March 2026 at 11:05\u202fAM\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\n\nHi Natalie,\n\nthank you for your message. The start of the cycling season is indeed busy, but we are excited to get this moving. I hope you’ve had a great week as well.\n\nBased on our recent discussion, here is the finalized offer for the 6-month "Conversion Booster" model:\n\nPricing Framework (€ 2,000 bike)\n- Standard price (6 months): € 54.00 (incl. 11% AT-insurance tax).\n- HBExclusive partner rate (6 months): € 45.00  (incl. 11% AT-insurance tax).\n- Calculation: This rate includes the free month discount and a 10% commission waiver to provide you with the absolute best entry price for your campaign.\n- Please note that insurance taxes and premiums vary by country; this is a calculation example. Depending on your tax residence, the premiums paid (including tax) are generally deductible as a business expense, further reducing the effective cost for your company.\n\nFinancial upside for HBExclusive\n- Self-financing: By integrating the sale of ABUS locks into your checkout, you can quickly recoup this investment per bike.\n- Recurring revenue: For every customer who extends their policy with us after the initial 6 months, HBExclusive will receive a revenue share.\n- Re-Investment: In the event of a total loss, the insurance payout is directly connected to a replacement purchase at HBExclusive, ensuring long-term customer loyalty.\n\nMarketing impact\n- A "6 Months Free Premium Protection" offer is a unique market advantage that will significantly drive your conversion rates on your website. It connects your customers to your brand for the long term through our shared ecosystem.\n\nWe are ready to finalize the technical onboarding so you can launch your campaign in time for the peak season.\n\nBest regards,\nHenning\n\n--- Similar conversation (similarity: 0.85) ---\n**Customer:**\nBuongiorno, sono titolare di un negozio di bici cliente ABUS, vorremmo\nproporre i vs servizi alla ns clientela, possiamo essere contattati da un\nvs referente?\nIl negozio è www.ridextreme.it\nGrazie mille\nGloria\n**Karl Team:**\nHi Gloria,\n\nI hope it’s okay if we communicate in English. If not, just let me know\nand my colleague will be happy to translate for me.\n\nWe are very pleased that you would like to become our partner. I’m happy\nto send you a quick overview of how our service improves the cycling\nexperience for your customers. If you have any questions or ideas at this\nstage, don\'t hesitate to send them over and I can address them directly.\nLooking forward to hearing from you.\n\nBest regards,\nHenning\n**Customer:**\nHello, no problem! Yes please send me the overview of your services\nThanks\nGloria\n\nGloria Carpi\n[PHONE]Il giorno gio 15 gen 2026 alle 11:25 Karl <hallo@karlbikes.com> ha scritto:\n**Karl Team:**\nHi Gloria,\n\nthank you for your interest in a partnership with Karl. I am happy to\nshow you the main features of our service, that makes your customers\ncycling experience:\n\nWhy Karl?\xa0No fine print, no delays, no worries. We believe in\ntransparency.\nFor example, our partner shops love that we do not require a cost\nestimate for repairs up to €1,000. We trust our partners—just as they\ntrust us.\n\nScope of Insurance:\xa0(E-)Bikes including all permanently attached parts\n(e.g., wheelset, basket, bike computer, lock) are in full Protection with\nall-risk coverage including accidental damage (falls), theft, fire, and\nweather-related damage.\n\nCompensation: We reimburse 100% in the 1st year, 80% in the 2nd year, and\n70% of the purchase price permanently from the 3rd year onwards. This\nensures that premiums remain stable in the long term.\n\nCoverage & Usage: Our coverage is valid worldwide; customers only need a\nplace of residence within the EU. Unlike many competitors, both\ncommercial use and the use of the bicycle in sporting events are included\nat no extra charge.\n\nOur Purpose:\xa0We believe a great insurance experience should be like\nriding a bike: simple, fast, and always there for you.\n\nQR-Code:\xa0We would be happy to send you a personalized QR code for your\nshop. You can place this as you wish and interested customers can insure\ndirectly via scan.\n\nTo list you as a partner, we would need the following information:\n\n- Company name and address: Ride X-Treme; Via Riviera 38 Fraz, 35030\nRivadolmo PD, Italy\n- Contact person: first name, last name, role, email, telephone number\n- Bank details: IBAN\n\nPlease don’t hesitate to reach out if you have any questions. In addition\nto our usual premium service, we can also offer customized insurance for\nrental bikes. If you are interested, please feel free to share your\nspecific requirements with us. I look forward to hearing from you.\n\nBest regards,\nHenning\n**Karl Team:**\nHi Gloria,\n\nI just wanted to follow up and see if you’ve had a chance to look over\nthe details.\nAs the cycling season in Italy is picking up, we’d love to get your\npersonalized QR code ready so you can offer the protection to your\ncustomers right away.\nIs there any specific information missing, or shall we go ahead with the\nsetup for Ride X-Treme?\n\nBest regards,\nHenning\n\n--- Similar conversation (similarity: 0.82) ---\n**Customer:**\nHi Henning,\n\nI received your information from Tony. My name is Byron, and I work with\nour leasing and insurance partners here at Tenways.\n\nI was able to review the document shared with Tony. We are currently\nlooking for an insurance provider based in Austria. However, our\npartnership may look different to what you have initially proposed. We\nprefer to remain neutral between providers, therefore, we created our Tenways\nInsurance Page <https://www.tenways.com/pages/insurance>. If there is\ninterest in a partnership where we can create a Karl Bikes card that\nredirects customers to your page, we are definitely open to starting a\npartnership.\n\nPlease review our insurance page. If you are interested in proceeding, I\'m\nhappy to discuss this further and answer any questions you may have.\n**Customer:**\nHi Byron,\n\nThanks for your reply.\nWe would be happy to be featured on the Tenways insurance page to start\nour partnership.\nWe can certainly provide a dedicated karlbikes.com card for the Austrian\nmarket.\nOne key advantage we bring to the table: We can provide insurance for\ncustomers with any EU residency.\nThis makes Karl a very flexible solution for your international community\nbeyond Austria.\nPlease let me know which assets (logo, copy, link) or technical\nrequirements you need from our side to set up the karlbikes.com card. We\nare ready to go.\n\nBest regards,\nHenning\n**Customer:**\nHi Henning,\n\nThat is excellent news!\n\nEven if we mention, Austrian based, we can also include in the verbiage,\navailable across all EU territories (or you can provide us with the\nverbiage that best conveys that message to our consumers).\n\nFor next steps, I would require the following please:\n\n   1. Company Name\n   2. Company Address\n   3. Contact Email and Phone Number (if different to yours):\n   4. Company VAT Number:\n   5. Operation Agreement or Contract:\n   6. Confirmation of commission percentage\n   7. Regarding page and card generation, we need the company logo,\n   verbiage, redirect link, and confirmation code or tracking method.\n\nOnce I have all of the above information, I can share it with the necessary\ninternal team and receive rough date estimates of when we will be ready\nto launch. Please note that some colleagues involved in this launch will be\non vacation from 16 February to 3 March. We cannot progress on the launch\nduring this period.\n\nAdditionally, if you have any questions for me, please do not hesitate to\ncontact me.\n**Customer:**\nHi Byron,\n\nThat sounds like a great plan. I am very pleased that we can highlight\nthe full EU-wide availability.\nThis will be a strong added value for the Tenways customers.\n\nSince your team is on vacation until March 3rd, I will use the time to\nprepare the full package for you.\nI will send over all required information and assets in a single update\non March 3rd.\nThis will include the operation agreement, commission details, and the\nfolder with logos, tracking links, and verbiage.\n\nWishing you and your colleagues a relaxing break! I look forward to\nlaunching our partnership once you are back.\n\nBest regards,\nHenning\n**Customer:**\nHi Byron,\n\n1. Company Name: Engimono GmbH\n2. Address: Parkring 18/4, 1010 Vienna, Austria\n3. Contact: Henning Sydow, [CUSTOMER_EMAIL], [PHONE_1]. VAT Number: ATU[PHONE_2]. I have attached our standard referral agreement to this email for your\nreview. We just need your Adress and VAT.\n6. Commission percentage is 10% in between the first 3 months after\npurchasing the bike. Afterwards it is 5%.\n7.\n- Verbiage:\n"Karl offers premium digital insurance for your TENWAYS bike, accessible\nto all residents within the European Union. While we are proudly\nheadquartered in Vienna, our protection follows you everywhere: enjoy\nfull worldwide coverage, no matter where your journey takes you."\n- In order to register you as a producer, we need your company name and\naddress (name, address); a contact person (first name, last name, role,\nemail, telephone number) and bank details (IBAN).\n- After you become a producer in our system, you have a referral link to\nour website. That is the first tracking method. If your customers do not\nuse the link, our system still scans every contract for TENWAYS customers\nand connect them to your producer account.\n- Our logo is attached.\n\nPlease let me know if the attached agreement works for you or if you need\nany further technical specifications for the integration.\n\nBest regards,\nHenning\n\n--- Similar conversation (similarity: 0.81) ---\n**Customer:**\nDear [CUSTOMER_NAME] insurance team\n\nThank you for your email containing the information and the bike insurance\npolicy.\n\nI am pleased that I insured my bike with you.\n\nKind regards\nWardak\n\nOn Mon, 15 Apr 2024, 10:25 Nicole Rassar | Karl Fahrradversicherung, <\nhallo@karlbikes.com> wrote:\n\n--- Similar conversation (similarity: 0.79) ---\n**Customer:**\nDear people of Karl Bikes (or Philip who has previous correspondence with\nme),\n\nI had insurance with you on my bike, but for the past around year I stopped\nit as I was not driving.\nNow I am back again on my back, as I moved to a new flat in the 16th\ndistrict. I attach my previous policy:\n\nSo two questions:\n\n   1. could this be insured again? It is the same bike, same lock? Is the\n   premium the same?\n   2. Since I moved to a new flat in 16th district (Wien 1160) I am now\n   getting household insurance? Since you collaborate with other insurance\n   companies, maybe you do offer something combined? I would like to check out\n   with you before signing something over durchblicker.\n\nLooking forward to your feedback.\nbest regards,\nJosip Bajo\n\nOn Mon, 8 Jan 2024 at 07:54, Philip Machat | Karl Fahrradversicherung <\nhallo@karlbikes.com> wrote:\n**Karl Team:**\nDear [CUSTOMER_NAME],\n\nWe’re happy to hear that you’d like to insure your bike with us again –\nand I have some good news for you right away: if you choose to pay\nannually, your premium drops from €8.50 to €6.58 per month (when\ncalculated monthly).\n\n* Same bike & lock for an annual premium of €79\n* Please note that we unfortunately don’t cooperate with other insurers.\nHowever, many household insurance policies explicitly cover bicycle theft\nat your main residence – in that case, we would provide the remaining\n(worldwide) coverage.\n\nHere’s the link that takes you directly to your pre-filled application.\nYou just need to update your new address and choose your preferred\npayment method:\n\nhttp://karlbikes.com/de-AT/proposals/e21f32cc-4d03-4d06-b75b-3e765ea8edd2/summary\n<http://karlbikes.com/de-AT/proposals/e21f32cc-4d03-4d06-b75b-3e765ea8edd2/summary>\n\nIf you have any questions, feel free to reach out anytime.\n\nKind regards,\nNicole from Karl\n**Customer:**\nDear [CUSTOMER_NAME],\n\nThanks a lot for this quick reply. I will definitely go with you. In case I\ngo with your for this yearly premium of: €6.58 per month is this also\ncovered in my main residence in Vienna?\n\nThe thing is, bikes are my main type of transport for work and personal\nlife, so I just want to be sure. And you\'re the insurance that is\ntransparent and reliable.\n\nThe problem with a lot of these household insurances, is they make\neverything complex or some of my friends have issues when it comes to\ntheft.\nI always try to keep my bike inside and safe, but I do not always have that\nchoice if around the city.\nIf your insurance covers me in Vienna and worldwide also, I would just get\na standard household insurance without the bike.\n\nThanks a lot!\nBest,\nJosip\n**Karl Team:**\nDear [CUSTOMER_NAME],\n\nOf course we will cover damage at your main residence as well.\nI absolutely understand the issue with household insurances.\n\nYou\'re very welcome!\nNicole\n**Customer:**\nDear [CUSTOMER_NAME],\n\nthanks a lot! I just filled it up.\nBest regards,\nJosip\n**Karl Team:**\nDear [CUSTOMER_NAME],\n\nGreat! Please just let me know you new address, so that I can exchange it\nwith the "Unknown"- blank.\n\nKind regards,\nNicole\n**Customer:**\nHello,\n\nsorry it seems I missed this field.\nIt is:\n\nGrundsteimgasse [PHONE]Wien\nAustria\n\nBest,\nJosip\n**Karl Team:**\nLieber [CUSTOMER_NAME],\n\nAnbei noch deinen Polizze mit der aktualisierten Wohnadresse.\n\nHerzlichst\nNicole\n**Karl Team:**\nLieber [CUSTOMER_NAME_1],\n\nBitte entschuldige, ich fürchte in meiner letzten E-Mail hat der Anhang\ngefehlt.\n\nLiebe [CUSTOMER_NAME_2]ße\nNicole\n\n## New Email to Reply To\n\nHello,\r\n\r\nThank you very much for your detailed message and for clearly outlining the proposed 12-for-10 partnership structure.\r\n\r\nAfter carefully reviewing your email and the proposed framework, I would like to share a few important points to ensure we are fully aligned on the structure of our cooperation.\r\n\r\nFrom our side, the insurance premium for the first year would not be presented as an optional add-on for the customer. Instead, H&B Exclusive intends to insure all bicycles directly. This means that when a customer purchases a bike from us, it will already include one year of insurance as a complimentary benefit. In this case, H&B Exclusive would be covering the cost of the first-year premium, not the end customer.\r\n\r\nBased on this structure, there are two key aspects to consider:\r\n\r\nDirect Cooperation & Billing\r\nThe first-year premium would be handled directly between our companies, as we would be insuring approxinately every bike sold.\r\nGuaranteed and Continuous Customer Flow\r\nSince insurance would not be optional but automatically included, this guarantees you a steady and recurring volume of insured customers corresponding to our actual sales volume. In other words, we would be delivering you consistent business rather than occasional opt-in policies.\r\n\r\nFor this reason, the benefit should be mutual and strategically structured. We are investing significantly in marketing, advertising, and brand positioning to attract these customers. In return, we would expect a very competitive annual rate for the first year under this partnership model.\r\n\r\nAdditionally, as previously discussed, we believe that cross-visibility would further strengthen our collaboration. Just as we would recommend your insurance services to our customers, we would appreciate being listed on your website as a recommended and trusted bike partner.\r\n\r\nWe truly believe that, if structured correctly, this cooperation can generate substantial and long-term value for both parties. I kindly ask you to review this proposal from a strategic partnership perspective, and I look forward to your feedback and hopefully positive news soon.\r\n\r\n\r\nMet vriendelijke groet,\r\n\r\nMit freundlichen Grüßen,\r\n\r\nSincerely,\r\n\r\nCordialement,\r\n\r\nNatalie\r\n\r\n\r\n\r\nH&B Exclusive\r\n\r\nWhatsapp: [PHONE_1]Tel:[PHONE_2]www.hbexclusive.com<http://www.hbexclusive.nl/>\r\n\r\nSpoorstraat [PHONE_3]CM Boxmeer\r\n\r\nNederland\r\n\r\n[signatureImage]\r\n\r\nFrom: Karl <hallo@karlbikes.com>\r\nDate: Wednesday, 25 February 2026 at 6:13\u202fPM\r\nTo: H&B Exclusive Backoffice <[CUSTOMER_EMAIL]>\r\nSubject: Re: Inquiry About Bicycle Insurance Services and Partnership\r\n\r\nHi Natalie,\r\n\r\nthank you for the update. I have finalized the calculations for the HB Exclusive customer offer.\r\nAs discussed, we are providing a special "12-for-10" partnership rate. By choosing our service in your checkout, your customers receive the full karlbikes.com premium protection for one year while effectively paying for only 10 months compared to our standard plan.\r\n\r\nHere are the specific annual premiums for your main bike price brackets including Austrian insurance taxes:\r\n€2.000 Bike: €90.75 / year (customer saves €17.25)\r\n€2.500 Bike: €101.75 / year (customer saves €19.45)\r\n€3.000 Bike: €114.60 / year (customer saves €22.20)\r\nThis adds a high-value Add-On to your checkout for the best price for your customers, while we handle 100% of the administration and liability.\r\n\r\nI am available for a call with Mr. Baraa next week to discuss the seamless integration and next steps.\r\n\r\nBest regards,\r\nHenning'}