Commuters. We’ve got your back.

Cycling through town, you need insurance cover that can get you from A to B - without a fuss. Get Laka's 5-star rated commuter insurance.

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Commuter
Backed by Laka

YOUR COVERAGE

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:

covered

Theft

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

Damage & Vandalism

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.
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£0 Excess

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

Don’t be at loss if an airline or courier loses your bike or gear – you’re covered with Laka.
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Emergency Cash

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

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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VOTED THE BEST. BY YOU.

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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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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