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

CHOOSE YOUR COVER

No matter what you ride
COMPLETE
CORE
Theft
At home and on the go - including mugging or from a vehicle. Your bike, gear & accessories replaced with the latest model.
Crash & Accidental Damage
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.
Emergency Travel
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.
Licensed Racing
For races which require a valid racing licence. Typically road, criterium, circuit, & cyclocross racing.
Worldwide Travel
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 INCLUDED
Sportives & Events
Includes 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.
£0 Excess
No excess to pay on bike claims. Excess is the amount it ‘costs’ to make a claim, insurers normally deduct this from any payouts.
Bike Rental
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.
Multi-Bike Discount
Get a 50% discount on any extra bikes that are in the same household and used by family members.
Legal Assistance
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.
Third Party Cycling Liability Insurance
Up to £2 million in comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.
Laka Perks
Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Grab the promo codes from the Laka Perks page.
ADDITIONAL PRODUCTS
Health & Recovery
Accident & injury insurance that focuses on keeping you riding.
QUOTE
QUOTE

CHOOSE YOUR COVER

COMPLETE
CORE
Theft
Crash & Accidental damage
Roadside recovery
Licensed Racing
Worldwide travel
ALWAYS INCLUDED
Sportives & Events
£0 Excess
Bike rental
Multi-bike discount
Legal assistance
Third Party Cycling Liability Insurance
Laka Perks
QUOTE
QUOTE
ADDITIONAL PRODUCTS:
Health & Recovery

WHAT IT MEANS
TO BE BACKED BY LAKA

Fair, not fixed

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.

Top notch claims experience

When shit does hit the fan, we’ve got you. Claims are handled by experts with no depreciation or excess on bike claims.

Never tied down

We're over 12 month contracts. Meaning if you want to upgrade, add travel / racing, or pause you can. Anytime.

Cargo Bike Insurance

WHAT WE COVER

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. For more info on our cargo bike locking requirements click here.

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

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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