Commuters. We’ve got your back.

Cycling around town, you need simple cover that can get you from A to B - without a fuss. With our commuter insurance you'll get everything you need, and nothing that you don't. No excess, up to £2m of liability cover, theft away from home and damage cover for your bike and gear.

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Backed by Laka


You and your bike are covered in situations that matter with complete and cost-effective cover. Whether you hit a pothole and buckle your wheel or your bike is stolen from outside your place of work: Laka will have your back. Your bike is insured against:



Your bikes and accessories are covered against theft away from your home - something that isn't often covered by Home & Contents insurance. As long as you're using a Sold Secure Gold lock.


Up to £2m liability cover if you damage someone’s property or need to defend yourself in court.

£0 Excess

You shouldn’t have to pay twice for your cover, so with Laka you can claim without the fear of excess fees.


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.

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.
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Laka - What's Covered

Need a little more from your cover?

Check out our feature full insurance with additional cover for theft from home, trips abroad, racing and roadside recovery included as standard

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What makes us different

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.

Insurance Flipped

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. We explain a little bit more about this below.

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.

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Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 4 years running.
But don't take it from us. Here's what the collective have to say.

The collective

Laka’s the new, smart way to insure your bike.

Forget everything you know about insurance. Discover our collective insurance. The collective is a group of enthusiastic cyclists, connected by a common interest, their bikes. Just like other insurers, we do the necessary checks to prevent fraudulent claims and it is also in the interest of everyone within the collective to handle your bicycle as well as possible.

Laka's collective coverage means that the costs of the claims in the collective are distributed monthly among all cyclists. Are there no claims in a month? Then you (and the rest of the collective) pay nothing at all. Fair enough.

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Your free JUICE LUBES BUNDLE when joining laka

The do it all cleaning bundle

As we approach winter, keep your bike looking fresh with a complete Juice Lubes bike cleaning bundle worth £36.99 when you take out bicycle insurance cover.  New customers only. Terms and conditions apply.

What is Juice Lubes?

Juice Lubes are a no-nonsense bike maintenance brand. This kit will have your bike staying spick and span throughout winter. The bundle includes:

  • 1 x Dirt Juice Super – Degreaser
  • 1 x Dirt Juice – Cleaner
  • 1 x Frame Juice Polish & Protector Spray
  • 1 x Viking Juice Chain Lube
  • 1 x Dirty Little Scrubber Chain Cleaner
  • Usually costs £36.99 plus postage

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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