We won't charge you a fixed sum. Instead we calculate your monthly contributions retrospectively - up to a max capped amount - based on the collective's claims that month.
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."
E-bikes are classed as Electrically Assisted Pedal Cycles or EAPCs in the UK. This means there are no laws that say you need insurance, unlike a moped or motorbike. For more information, check out our guide on e-bikes and the law.
However electric bikes can be expensive, so fully protecting yourself is a smart idea. With Laka, you'll get full coverage against theft, accidental damage, and loss should anything bad happen.
Also, our e-bike insurance covers you against any battery mishaps. Be it a stolen battery, or an e-bike battery that doesn't work as it should.
You'll also get travel cover, emergency cash, and legal cover included.
Not all insurance policies are equal. Especially when comparing specialist bicycle insurance and home insurance.
You might be able to add your electric bike to your home insurance policy but there will likely be limitations and drawbacks. Claiming can often come with a hefty excess, impact your no-claims bonus, or increase your premium. You should also check your policy wording for the details of what is and isn’t covered.
For the full debrief check out our guide on Bicycle Insurance vs Home Insurance.
Your quote from other traditional insurance companies can vary a lot. Where you live, the crime rate in your area, the type of e-bike you own, and how much it’s currently worth will all impact your quote.
With Laka you can get a quote in an instant. All we need is the value of your e-bike.
We'll show you an expected cost and a cap. We do things differently here. Claims get split with your fellow Laka Collective, and divided equally amongst customers. It's a fairer way of doing things.
For more information, check out our article on fairer pricing in insurance.
We cover all Electrically Assisted Pedal Cycles (EAPCs).
From e-cargo bikes to electric folding bikes, from e-MTBs to electric road bikes.
We also include a multi bike discount for covering more than 1 bike with Laka.
E-bikes valued between £300 and £15,000 can be added to your insurance policy. And in total you can have up to £32,000 of cover on your policy.
If you have any questions, contact us.
Yes. E-bike batteries are vital to your bikes performance, so it's important to make sure they're protected.
Electric bike batteries can also be vulnerable to theft or damage, so it's an important part of our electric bike insurance.
We can also cover all of your clothing and accessories too. When joining you'll see how to list these.
Yes! Join the Laka Club and you'll get public liability insurance for £1 per month with stacks of great cycling perks too.
Laka protects you for up to £2m of cover if you damage someone else's property or injure them whilst riding your e-bike.
Just make sure your e-bike is an Electronically Assisted Pedal Cycle (EAPC).
If your electric bike is an Electrically Assisted Pedal Cycle (EAPC), you don't need a licence to ride it. There's also no need to register, insure, or tax it either.
It's great news for cyclists. The running costs, along with tax, insurance, and registration costs of running a motor vehicle or motorbike can cost thousands of pounds.
You also don't need to wear a helmet when riding your e-bike. Although it's good practice to wear one and will help keep you safer on the road.
If your e-bike isn't classed as an EAPC you'll need to: register it with the DVLA, get a driving licence, get it insured, and wear a helmet if you're riding on a public highway.
To find out more, check out our guide on e-bike laws.
Your e-bike is legal in the UK if it meets the requirements that class it as an Electrically Assisted Pedal Cycle (EAPC). As set out by UK law.
All EAPCs in the UK are considered normal bikes, and can be used anywhere that a standard bike is permitted. Be it on the road, or on a cycle path.
An EAPC has: pedals that can propel it, shows either the power output or the manufacturer on the motor, and shows either the voltage of the battery or the max speed of the bike.
There's also restrictions on the electric motor of your e-bike. To be an EAPC it must have a power output equal or under 250 watts and shouldn't give assistance when travelling over 15.5 mph.
There's no age limit on who can ride an electric bike off road. But you must be at least 14 years of age to ride them on a public highway in the UK.
If you have any questions about your electric bike, contact us.
To be covered by Laka you'll need to use a Sold Secure Gold lock or better.
To find out if your lock is Sold Secure Gold-rated, you can view this guide on the Sold Secure website
We also find the best deals on Sold Secure Gold locks from around the web. To give you a little extra help when choosing the right bike lock for you.
E-bike battery theft is super common too! You don’t need to lock your electric bike battery to be covered by Laka. Although it’s good practice to use a built-in lock. If not, perhaps remove the battery and take it along with you.
If you need any help with locking your electric bike, contact us.