Laka uses a people-powered insurance subscription to make insurance fair, not fixed.
Each months claims are spread amongst a collective of cyclists like you, so your monthly bill varies up to a guaranteed cap.
We won't charge you a fixed sum. Instead we calculate your monthly contributions - up to a max capped amount - based on The Collective's claims.
When shit does hit the fan, we’ve got you. Claims are handled by experts with no depreciation or excess on bike claims.
We're over 12 month contracts. Meaning if you want to upgrade, add travel / racing, or pause you can. Anytime.
At home and on the go - including mugging or from a vehicle. Your bike, gear & accessories replaced with the latest model.
You’re covered for any accidental damage to your bike and accessories. And if someone intentionally breaks your gear, we'll get it fixed or replaced pronto.
We include £200 'get you home cash' to make life easier after an accident or theft. Might be a temporary rental bike, taxi, or train.
For races which require a valid racing licence. Typically road, criterium, circuit, & cyclocross racing.
Global cover for up to 120 consecutive days. If you’re planning to travel for longer, let us know and we’ll look at your options.
ALWAYS INCLUDEDIncludes sportives, club rides and similar events. It also includes racing that doesn’t require a racing licence, such as triathlon, gravel and time trialling. So events like RideLondon, the Dirty Reiver or your local Audax are all covered.
No excess to pay on bike claims. Excess is the amount it ‘costs’ to make a claim, insurers normally deduct this from any payouts.
To keep you cycling - whatever happens. You’ll get up to £200 towards the rental of a bike whilst you’re awaiting the fulfilment of a claim.
Cover for legal costs for pursuing a personal injury case after an accident that wasn’t your fault when cycling. Be it a driver or pothole.
Comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.
Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Grab the promo codes from your account area.
ADDITIONAL PRODUCTS
Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 6 years running.
But don't take it from us. Here's what the collective have to say.
" Just made my first claim and have been amazed at the support and service received. Want to call out Matt the bike guru who supported my claim, he resolved a stressful situation. Insurance isn't just about the fee you pay, it's the about the service you receive."
"Highly recommend - has been a very competitive monthly cost, and excellent service when I needed to claim. Laka sent out mechanics to collect and check my bike and I was able to get my custom-fit race bike replaced within a week!"
"Basically the hype is real, which in today's world of cost cutting, pretend-optimised, overly complicated engagements with customer service is great. It just works, in exactly the same way many other companies don't when dealing with them."
"I don’t really do recommendations but I have to praise Laka. I recently had an accident on my bike and contacted Laka. This was genuinely the most painless experience ever. If your bike is your pride and joy you must use Laka."
"Amazing customer service, quick, responsive and spot on. I couldn't believe my whole claim was sorted in 2 days with plenty of flexibility. Insurance solutions from cyclist to cyclist is definitely for real, I strongly recommend Laka!"
"Laka are literal bike-savers! My brand new Pinarello was stolen. Losing your bike is always a risk. When it happens it’s an awful feeling but getting a replacement of your choice couldn’t have been more easy with Laka and helped get back on the road."
