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.
80% of your money goes straight back into the collective: fixing, replacing, helping, whatever. And the other 20% keeps our wheels spinning.
Being part of Laka means committing to look after yourself and your stuff for the sake of the group. Think team first.
When shit does hit the fan, we’ve got you. Claims are handled by experts and usually agreed within a day. With no depreciation or excess.
We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.
" 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."
"By far the best insurance company. Their ethos in trying to help the community is a truly innovative approach to insurance."
Forget what you know about insurance.
Get to know collective cover.
No matter what you ride,
you're covered for:
Unlike other outdated insurers, we don’t charge a fixed sum upfront. Instead, we calculate your premium based on the actual cost of claims that month. Much fairer.
That means your payments will vary, but your maximum contribution will be capped and some months you might pay nothing if nobody claims.
Boom. We’ll also show you exactly where your dough goes – fixing, replacing and helping fellow members get back on their bikes.
Choose the value of your bike to get an idea of your contribution.
This world-first cover looks after
our collective on and off their bikes.
A curated list of partners and services to help you come back stronger.
Coaching sessions and training plans by British Olympians.
Leading indoor bike trainers sent to you to build strength at home.
Psychological assessment and advice from leading performance coaches.
Effective nutritional plans to support your recovery, the tasty way.