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.
80% of your money goes straight back into the collective: fixing, replacing, helping, whatever. And the other 20% keeps our wheels spinning.
Being part of Laka means committing to look after yourself and your stuff for the sake of the group. Think team first.
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.
We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.
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."
Legally speaking there are no laws requiring you to have insurance for your e-bike provided your bike is classified as an Electrically Assisted Pedal Cycle (EPAC). However given the higher cost of e-bikes it's worth considering electric bike insurance with Laka which will cover your e-bike against theft and accidental damange in case something bad happens!
This depends on your policy and it's certainly worth checking the details. Some home insurance policies will cover bicycles however there are often limitations and drawbacks. For example there might be a single-item limit below the cost of your ebike. You might be looking at a hefty excess levels and they might not cover you away from your home. Check out our article on insuring your bicycle on your home insurance here.
The cost of insuring your e-bike depends on how much it's worth. If you're looking to protect your electric bike against things like theft or damage hit get a quote for your personal quote from Laka.
The answer is simple, at Laka, yes it does. It's a good question as unfortunately batteries in particular can be vulnerable to theft. But if you're backed by Laka you can add all your gear and accessories too.
Yes! Join the Laka Club and you can get liability cover to for just £1 per month alongside stacks of great cycling perks. Laka's cover will protect your for up to £2m of cover should you damage someone else's property or injure them whilst riding your e-bike. As long as your e-bike is classified as an electronically assisted pedal vehicle.