Bike Courier Insurance

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Delivery rider
Backed by Laka
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.
Roadside Recovery
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.
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
Comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.
Cycling Discounts
Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Grab the promo codes from your account area.
Health & Recovery
Accident & injury insurance that focuses on keeping you riding.
Crash & Accidental damage
Roadside recovery
Licensed Racing
Worldwide travel
Sportives & Events
£0 Excess
Bike rental
Multi-bike discount
Legal assistance
Third Party Cycling Liability Insurance
Cycling discounts
Health & Recovery


Laka's 5-star claims service is an experience so good, you'll actually want to claim.
But don't take it from us. Here's what The Collective have to say.

"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!"


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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Here are some frequently asked questions about bike & e-bike courier insurance. Any other questions? Hit chat and ask one of the Laka team.
  • In case of a claim, unfortunately most standard bicycle insurance policies won’t cover you if you were using your bike for your work. 

  • Laka provides cover for a variety of delivery uses including, fast-food, grocery, parcel, and courier. Your work not listed here? Ask our awesome customer services team quickly online if we can cover you.

  • Yes, we love e-bikes. Laka covers e-bikes as standard, and without any extra cost. Plus we insure your battery as part of the policy.

  • Locking your bike is the best way to protect it from theft. Whenever you leave your bike unattended, out of view when on a delivery, out and about or in a communal storage location, you’ll need to secure your bike to an immovable object using a Sold Secure Gold or Diamond Rated lock. Otherwise no insurer would cover you for theft. Not sure what standard your lock is or want to find out more about our locking requirements - please chat with our team online now.