For leasing providers, insurance used to be a friction point that drains cash flow and slows down bike deliveries.
Laka has transformed this into a competitive advantage.
By moving from rigid annual policies to a flexible, tech-driven model, we help our leasing partners protect their assets while maximising their operational efficiency. Here's how.
Summary
đź’Ş The Challenge: Scaling Beyond Traditional Insurance Limits
🚀 The Solution: A Bespoke B2B Infrastructure for Leasing
đź“Š Concrete Value: The Impact in Numbers
đź’ˇ Strategic Partnership: Proactive Risk Management
🏋️‍♀️ Technical Deep-Dive
👀​ Want to know more?
đź’Ş The Challenge: Scaling Beyond Traditional Insurance Limits
When scaling a leasing business, insurance shouldn't be a bottleneck. However, traditional insurance models often struggle to keep pace with the agility of modern leasing platforms. Our partners typically face four key commercial hurdles:
1. The "One-Stop Shop" Gap
As leasing companies expand their portfolios—adding second-hand bike sales, financing, or end-of-lease handovers—they struggle to find a partner that can support these varied verticals.
2. The Operational "Black Hole"
Managing insurance across borders often requires a patchwork of local providers, leading to fragmented data, inconsistent claims processes, and administrative headaches.
3. Technical Rigidity
Many insurers demand high-spec API integrations or bust. Leasing providers need flexibility—the ability to sync via API for high-volume automation or via simple, secure CSV uploads for smaller fleets without losing data accuracy.
4. Cash Flow & Claims Friction
Slow claims handling and rigid payment structures (such as upfront multi-year premiums in certain markets) drain capital. When a claim is stuck in a manual process, it doesn’t just frustrate the rider—it delays the payout to the leaser, impacting the bottom line.
🚀 The Solution: A Bespoke B2B Infrastructure for Leasing
Laka has replaced "one-size-fits-all" insurance with a flexible, tech-driven integration built specifically for the speed and lifecycle of leasing.
1. Instant and Flexible Integration Processes
By integrating directly with leasing platforms, Laka’s API generates a policy the millisecond a lease contract is digitally signed. However, CSV integration is also possible and can be built efficiently.
The Value: Zero "uninsured" days and zero manual data entry for your operations team.
2. Flexible, Pay-As-You-Go Billing
We provide monthly billing options that allow insurance costs to perfectly mirror lease revenue.
The Value: Optimised cash flow by ensuring you only pay for active cover, rather than tying up capital.
3. Dynamic Pricing & Revenue Opportunities
We offer bespoke pricing based on actual risk variables—such as bike type, theft rates, or GPS connectivity—rather than a flat, unfair rate.
The Value: Partners can choose the commercial structure that fits their culture, whether that is providing the most competitive price to the rider or getting a commission for the lifetime of the customer.
4. Multilingual, Expert Claims Handling
Leasing is no longer local. Laka provides a single point of contact for claims across the UK and EU, handled in English, Dutch, French, and German.
The Value: Automated approvals for low-limit claims and expert handling for complex cases ensure the fastest resolution times in the industry, keeping your fleet moving and your cash flow fluid.
đź“Š Concrete Value: The Impact in Numbers
*If all required information is provided.
đź’ˇ Strategic Partnership: Proactive Risk Management
We don't just "sell" insurance; we manage risk together through a culture of transparency.
- Fairness & Transparency: We share monthly data reports. If your fleet demonstrates low risk or healthy loss ratios, we can lower your premiums accordingly.
- Client Insights: We provide data on loss ratios per company you lease to. This allows you to identify high-risk companies and educate them on better security practices.
- Proactive Growth: We hold quarterly workshops to review data and identify improvements, ensuring our partnership evolves with your business.
- Flexible Commercials: We offer flexible financial structures—whether you want to provide the most competitive price to your customers or generate revenue through commissions.
🏋️‍♀️ Technical Deep-Dive
We meet our partners where they are.
We don't force a single integration method; we adapt to your current workflow.
Option A: Real-Time Sync (API Integration)
The gold standard for modern leasing.
How it works: We provide API endpoints that plug into your workflow.
- The Laka Magic: The millisecond a customer signs their digital lease contract, your system pings Laka. We instantly create the policy, assign it to the frame number, and can even trigger an automated "Welcome to Laka" email to the rider.
- The Result: Truly "Instant Cover." There is zero gap in protection, and your data is always perfectly synced between your platform and our insurance ledger.
Option B: From CSVs to Real-Time Sync
For partners who prefer not to use an API, we offer a dedicated Laka Uploader.
- How it works: You drop a daily data file (CSV) containing frame numbers and values.
- Privacy-First: We are flexible with the data we require; there is often no need to share sensitive customer personal details to activate coverage.
👀​ Want to know more?
If you are interested in seeing how Laka can integrate with your leasing operations, you can access the following resources:
- Strategy consultation: A 30-minute assessment of Laka’s fit for your specific product lines and European expansion plans.
- ROI analysis: Custom financial modeling showing the revenue impact of switching to monthly billing and the cost-savings of automated implementation.
- Technical demonstration: A live walkthrough of our API and Uploader capabilities showing how we sync with your existing management systems.
