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.
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:
Check out our feature full insurance with additional cover for theft from home, trips abroad, racing and roadside recovery included as standard
We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.
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.
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.
At Laka, we’re a collective of optimists that look out for each other on and off our bikes. So, the amount of your monthly contribution is based on the claims in the collective. This means that your monthly contribution varies. But one thing is certain: you will never pay more than the set maximum amount. If there are no claims in a month, you will not pay anything at all.
Every month we show you exactly how your contribution is calculated. Super insightful, super transparent. This is collective insurance at Laka.
Choose the value of your bike to get an idea of your contribution.
" 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."
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.
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: