Complete

The Complete bike insurance

Crash + Accidental Damage
Theft
Third-Party Loss
Our award-winning insurance product.
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YOUR COVERAGE WITH Complete

The ultimate bike insurance package. Cover includes:

covered

Theft

The big one! Bikes, e-bikes, and accessories are covered against theft anywhere in the world. As long as you're using a Sold Secure Gold or Diamond lock.
covered

Crash + Accidental Damage

Whether it’s a traffic accident, race crash, even damage in transit by a third party, you’re covered for accidental damage to your bike and accessories. Someone intentionally breaks your gear? We'll get it fixed or replaced pronto.
covered

Loss

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

In or On Your Car (or Van!)

Breaking a car window is a lot easier than breaking a bike lock. So while we do cover bikes stored in and on cars, it’s best if they’re locked to something not easily removable, with a Sold Secure Gold lock, or covered out of plain sight.
covered

Third Party Cycling Liability

If you damage someone else’s property or injure them whilst riding your bike.
covered

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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5 REASONS WHY YOU WANT TO INSURE YOUR BIKE WITH LAKA

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  • Flexible cover with no annual subscription
  • Pay nothing upfront - all claims are split fairly at the end of each month
  • No depreciation & ÂŁ0 excess on your new bike
  • Your claims are handled in-house by cycling experts who know how your bike works
  • 5-star claims experience - awarded Best Cycle Insurance Provider 6 years in a row

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’s 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. If there are no claims in a month? Then you (and the rest of the collective) pay nothing at all. Fair enough.

WHAT IT MEANS
TO BE BACKED BY LAKA

Fair, not fixed

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.

Top notch claims experience

When shit does hit the fan, we’ve got you. Claims are handled by experts with no depreciation or excess on bike claims.

Never tied down

Your policy is completely flexible meaning if you want to upgrade, add travel / racing, or pause you can. Anytime.

VOTED THE BEST CYCLE INSURANCE PROVIDER. BY YOU.

FOr 6 years running

Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 6 years running.
But don't take it from us. Here's what the collective have to say.