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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."
There are no laws saying you must have cover if your bike is an Electrically Assisted Pedal Cycle (EPAC).
But e-bikes are expensive. So it's worth considering electric bike insurance. A Laka policy covers you against theft, accidental damage, and loss should anything bad happen!
You'll also get:
- Worldwide travel cover for 120 days
- Emergency cash to make things easier after an accident or theft
- Cover for when your bike is on or in your car
- Legal assistance for pursuing a personal injury case after an accident that wasn’t your fault. Be it a driver or pothole.
This depends on your policy and it's worth checking the details. Some home insurance policies will cover bicycles but there are limitations and drawbacks.
For example there might be a single-item limit below the cost of your e-bike. You might be looking at 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 for more details.
Costs can vary dramatically. 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’ll get an instant quote for how much you can expect to pay each month. All we need is the value of your bike.
We’ll provide you with a cap price and an expected share. Claims get split with the Laka Collective and divided equally between Laka customers. It’s a fairer way of doing things.
Find out how much you would pay. Get a quote.
We cover all Electrically Assisted Pedal Cycles (EAPCs).
From e-cargo bikes to electric folding bikes, from e-MTBs to electric road bikes, we cover them all!
We also include a multi bike discount for covering more than 1 bikes with Laka.
E-bikes valued between £500 and £15,000 can be insured. And in total you can have up to £32,000 of bikes on your policy.
If you have any questions, contact us.
Yes. They're a vital part of your bike so it's important to keep them safe.
Batteries can be vulnerable to theft and accidental damage, so it’s a good idea to make sure everything's protected.
Being backed by Laka means all battery mishaps and malfunctions are covered. Our claims team will move mountains to repair or replace your battery ASAP.
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 e-bike is an EAPC, you don't need a license to ride it. You don’t need to insure, register or tax it either.
This is great news for cyclists. Taxing, insuring and registering motorised vehicles can cost thousands of pounds.
You also aren't required to wear a helmet, though wearing one is good practice and will help keep you safer on the road.
If your e-bike doesn’t meet EAPC standards, you'll need to:
- Register it with the DVLA
- Get a driving licence
- Get it insured
- Wear a helmet if you want to ride on a public highway.
You can ride an e-bike in the UK as long as you’re at least 14 years of age (though under 14s can ride them off-road).
Your e-bike also needs to meet specific requirements that make it an Electrically Assisted Pedal Cycle (EAPC).
All EAPC bikes are classed as normal peddle bikes and can be used on cycle paths as well as just about anywhere else where pedal bikes are permitted.
So the rules of owning an EAPC bike are essentially the same as having a regular bicycle.
An EAPC is defined as:
- Having pedals that can propel it
- Showing either the power output or the manufacturer of the motor
- Showing either the battery’s voltage or the max speed of the bike
- The electric motor must have a max power output of 250 watts and should not propel the bike when it’s travelling more than 15.5 mph
- An EAPC can have more than two wheels (for example, a tricycle).
If you have any questions about your electric bike, contact us.
If you’re leaving your electric bike out and about you’ll need to use a Sold Secure Gold lock to be covered by Laka.
If you’re not sure whether your lock is a Sold Secure Gold-rated they have a guide on their 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.
If you need any help with locking your electric bike, contact us.
