CARGO BIKE INSURANCE

Insure your cargo bike with Laka's 5-star rated cargo bike insurance.
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Cargo Biker
Backed by Laka

WHAT IT MEANS
TO BE BACKED BY LAKA

Insurance Flipped

We won't charge you a fixed sum. Instead we calculate your monthly contributions retrospectively - up to a max capped amount - based on the collective's claims that month.

The 80/20 rule

80% of your money goes straight back into the collective: fixing, replacing, helping, whatever. And the other 20% keeps our wheels spinning.

Pack mentality

Being part of Laka means committing to look after yourself and your stuff for the sake of the group. Think team first.

Got your back

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.

Never tied down

We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.

Cargo Bike Insurance

WHAT'S COVERED

Theft

The big one. Cargo bikes, e-cargo bikes, batteries and accessories are covered against theft at home and when out & about. Just make sure you use a Sold Secure Gold Rated Lock or better.

Damage and Vandalism

Whether it's a traffic accident or even damage in transit by a third party, you're covered for any accidental damage to your cargo bike and accessories. And if someone intentionally breaks your gear, we'll get it fixed or replaced pronto.

Loss

Don't be at loss if an airline or courier loses your bike or gear - you're covered with Laka.

Emergency cash

We include £200 to make life easier after an accident or theft. Might be a temporary rental bike to get around or even a taxi home if you find yourself stranded somewhere.

Legal assistance

Cover for legal costs for pursuing a personal injury case after an accident that wasn’t your fault. Be it a driver or pothole.

Travel for 120 days

Cycling abroad? Your gear is covered globally for up to 120 consecutive days. If you're ever planning to travel for longer than that, let us know and we can look at your options.

In or on your car

Breaking a car window is a lot easier than breaking a bike lock. So while we do cover bikes stored in and on cars, it's best if they're locked to something not easily removable with a Sold Secure Gold lock, or covered out of plain sight.
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Full cover details

What it costs

HNF-Nicolai CD1 Cargo Bike - £5,680

Choose the value of your bike to get an idea of your contribution.

£1000
£3500
£5000
£6
per month
£72
per year
£19
per month
£230
per year
£27
per month
£328
per year
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The Laka Experience

  • 1
    Add your bike, clothing and gear to your policy in a matter of minutes.
  • 2
    We’ll estimate your monthly contribution.
  • 3
    Pay nothing upfront, because all claims are split fairly at the end of each month.
  • 4
    Keep your gear up to date and tell us when you buy any new stuff.
  • 5
    If shit hits the fan, claim, and experience our team move mountains to get you back in the saddle.
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Cycling liability and legal cover for £1 a month

Includes £2m cycle accident liability cover in case you cause damage or injury whilst riding your bike. Plus access to cycling legal support in case you're involved in an accident that wasn't your fault.
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