We're officially joining forces with TARRAN, the innovators behind the incredible T1 Pro e-cargo bike. Tarran isn't just making bikes; they're redefining Future Mobility for families and urban life.

These are premium, intelligent bikes, and they deserve premium, intelligent protection.

That's where we come in. Laka is now TARRAN’s official insurance partner. We'll be making sure that every TARRAN rider gets the comprehensive cover they need to make their daily journeys stress-free.

hashtag#eCargoBikeshashtag#TarranBikeshashtag#FutureMobilityhashtag#SmartTechhashtag#Partnershiphashtag#BikeInsurancehashtag#UrbanMobilityhashtag#RideSafe

We are celebrating our new partnership with LEMMO, the Berlin-based e-bike innovators, as they mark their 3rd Anniversary in style! 🥳

Since day one, LEMMO has focused on crafting bikes that are simple, light, smart, and safe. To celebrate three years of innovation, they've chosen to give their community the gift of peace of mind.

For this special anniversary, LEMMO has decided to offer a custom, value-packed Premium Care Package, featuring:
• 2 free annual checks
• Lifetime access to GPS tracking
• A smart key-lock
• AND 90 days of FREE insurance powered by Laka.

We’re proud to back LEMMO riders as part of this great milestone!

hashtag#Lemmohashtag#eBikehashtag#LEMMOONEhashtag#3rdAnniversaryhashtag#Partnershiphashtag#BikeInsurancehashtag#LightElectricMicroMobilityhashtag#RideSmart

We’re on a roll.

After a streak of exciting partnership announcements, we’re thrilled to welcome a heavyweight of the French e-bike scene to our collective: O2feel e-bikes, where French craftsmanship meets sleek, high-end design.

So, what’s in it for the riders? As #O2feelowners join the Laka Collective, they get covered in just a couple of clicks and benefit from a few perks 👀

👉 Zero excess on bike claims (because that’s how we roll).
👉 Comprehensive cover for theft, damage, and recovery.
👉 The Laka spirit: you’re part of a community of cyclists who look out for each other when things go wrong.

We’re stoked to support #O2feel in their mission to transform urban mobility.

Welcome to the family!

We are thrilled to announce that #Laka is partnering with German leasing experts eurorad Deutschland GmbH!

🛑 The Challenge: While leasing a bike from eurorad includes comprehensive insurance, that protection naturally ends the moment the lease does. For the many riders who decide to purchase their bike at the end of the term, this creates a sudden "protection gap."

🟢 The Solution: Laka and eurorad have joined forces to ensure the ride never stops.
Now, eurorad clients transitioning from leasing to owning can move more seamlessly to Laka’s award-winning Collective cover. We’ve built a dedicated journey to make sure that as soon as eurorad clients become the official owners of their bike, they stay protected without missing a beat.

Together, we’re making sure the end of a lease is just the beginning of the adventure!

We’re thrilled to announce our partnership with Kino Bikes! From their "Made in France" roots to their incredible recent collab with Patine, Kino is proving that cargo bikes are the ultimate style statement for the modern city.

Laka now offers comprehensive insurance for the Kino community. No fuss, no nonsense, and the best part? If your bike is stolen, you’re back on a brand-new Kino in no time.

We're absolutely pumped to announce that Decathlon has teamed up with us once again to keep their customers protected!

Long-term rental is a total game-changer for anyone trying to navigate the world of modern mobility.

Here’s why it’s a winner:

1️⃣ Easy on the Wallet: Whether you're a student, a young parent, or just a hard-working human without a "money tree" in the backyard, buying a high-end electric or cargo bike is a big ask. Monthly rentals open the door for everyone to ride the best gear without a huge upfront cost.

2️⃣ Zero Stress Logistics: For many of us, our bike is our ride-or-die. It’s the school bus, the commuter train, and the grocery getter all in one. If something goes wrong, Decathlon X Laka has your back. Repairs, maintenance, and mishaps are all handled so you can get back in the saddle in no time.

3️⃣ Life Happens: Today you’re a solo student; tomorrow you’ve got a kid, a toddler, and maybe a very confused golden retriever. Your mobility needs change, so why stay stuck with one bike forever? Rental means your ride evolves right along with your life.

Decathlon wanted the "A-Team" for this service. They chose Laka to handle the protection side of things because our service is lightning-fast and built by cyclists, for cyclists. Plus, our friends at circuly are powering a seamless subscription experience.

Together, we’re clearing the air, beating the traffic, and making life a little simpler, one pedal stroke at a time.

Photos du Lakapéro #2 X Le Concentré Vélo, le 19 février à Lyon.

Crédit photo : https://www.instagram.com/l.m.medias

We’ve teamed up with Dolly Bikes, the experts in high-quality, Dutch-designed cargo bikes, to ensure their community never stays off the road for long.

For most owners, a Dolly Bikesisn't just a bike. It’s an essential part of daily life. From the school run to afternoon activities, riders depend on their Dolly to keep the daily schedule moving. When your routine relies on two wheels, a theft or breakdown isn't just an inconvenience; it can throw your whole day off track.

By partnering with Dolly Bikes, we’re making it easier for families to protect that daily mobility. Laka’s collective-driven insurance is built for those who can’t afford to be off their bikes for long, focusing on getting them back in the saddle immediately so the family routine doesn't grind to a halt.

It’s another step forward in our mission to back the best innovators in the e-bike world. Welcome to the collective, Dolly riders!

hashtag#Lakahashtag#DollyBakfietshashtag#CargoBikeshashtag#FamilyCommutehashtag#Micromobility

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

💪 The Challenge: Scaling Beyond Traditional Insurance Limits
🚀 The Solution: A Bespoke B2B Infrastructure for Leasing
📊 Concrete Value: The Impact in Numbers
💡 Strategic Partnership: Proactive Risk Management
🏋️‍♀️ Technical Deep-Dive
👀​ Want to know more?

💪 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.

📊 Concrete Value: The Impact in Numbers

*If all required information is provided.

💡 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.

How Top Manufacturers Turn E-Bike Theft Risk into a Competitive Advantage.
VeloSafe is a complete, connected protection solution developed by IoT Venture and Laka that integrates GPS tracking, specialist recovery services, and digital insurance directly into e-bike manufacturer systems.

💪🏻 The Challenge

Every year, bike manufacturers lose millions in potential revenue because of:

1. Purchase hesitation: Research indicates that a significant portion of potential premium e-bike buyers delay or abandon their purchase entirely due to concerns over theft.
2. Customer loyalty loss: Brands face a sharp decline in rider retention following a theft, as victims frequently switch to competitor brands when replacing their stolen bikes.
3. Dealer Complexity: Sales teams struggle to explain third-party insurance options, creating a difficult experience at the point of purchase.
4. Uncoordinated experience: Current insurance and theft recovery programs operate independently from manufacturer systems, resulting in poor recovery rates and customer dissatisfaction.

In high-theft European markets, theft anxiety directly impacts sales and customer lifetime value for e-bike brands.

🚀 The Solution

Developed in collaboration with IoT Venture and supported by a grant from the EIT Urban Mobility initiative (European Union-funded), VeloSafe delivers a complete, connected protection solution designed for direct integration with bike manufacturer systems.

Velosafe is a complete mobility guarantee, not just insurance. It integrates:

⛓️ Benefits Across the Entire Value Chain

👉 For bike manufacturers

• Brand differentiation
  Market "connected and protected" e-bikes as premium offerings that stand out from competitors.
• Revenue opportunity
  A closed ecosystem that is designed to replace bikes like-for-like. Thanks to Laka insurance, if the bike isn't recovered, it is replaced by a brand new one, generating revenue for the bike manufacturer.
• Seamless integration
  Ready-to-integrate VeloSafe software and service infrastructure with minimal technical work/effort.
• Post-purchase control
  Maintain better visibility and influence over the customer relationship, enhancing service quality and retention.

👉 For dealers

• Revenue Potential
  Receive a share of recurring revenue from Laka for each contract subscribed.
• Sales Advantage
  Offer customers a bundled e-bike experience with insurance and theft recovery included.

👉 For riders

• Total protection, minimal cost
  VeloSafe embedded technology, combining tracking and specialist recovery services, drastically reduces insurance costs for customers.
• Insurance Without Hassle
  Seamlessly integrated protection without extra paperwork and easy onboarding. VeloSafe works with standard locks (no extra/integrated locks required).
• More than just insurance, a mobility guarantee
  The bike is either tracked and found (via the tracker), replaced, or repaired (both via the insurance).
• Connected Experience
  Single app for bike management, tracking, insurance claims, and recovery coordination.

☄️ Real Results with Leading Manufacturers

Tout Terrain Partnership

• First bike brand integration: Tout Terrain, premium e-bike manufacturer from Freiburg, Germany
• Factory-installed solution: VeloSafe comes standard on the complete Tout Terrain e-bikes range, with 6 months free service
• Complete integration: Seamless experience combining hardware, insurance, and recovery services
• Market validation: Successfully brought to market maturity in October 2025

Full integration details available on Tout Terrain website.

🏋️‍♀️ How does it work?

👉 Manufacturer Integration Flow

👉 End User Experience Flow

💡 Want to know more?

If you are interested in the VeloSafe integration, you can access the following resources:

Strategy consultation: 30-minute assessment of VeloSafe fit for specific product lines and markets

ROI analysis: Custom financial modeling for revenue impact and implementation costs

Technical demonstration: Live integration walkthrough showing platform capabilities and manufacturer systems compatibility

Big news from the UK cycling scene!

Planet X Bikes, one of the UK’s most iconic bike brands, has partnered withLakato give cyclists insurance that’s as reliable as their ride.

For over 30 years, Planet X has built high-performance bikes that make top-tier cycling accessible to everyone. Now, with Laka as their official insurance partner, Planet X Bikes customers can access award-winning, collective-powered cover that protects their bikes from theft, crashes, and accidental damage. No hidden fees. No hassle. Just transparent protection that keeps cyclists riding with confidence.

Here’s to empowering more cyclists to push further, explore more, and ride worry-free.

After a successful four-year partnership across the UK, the Netherlands, and France, we’re excited to expand our collaboration with Decathlon.

Decathlon customers in Belgium can now access Laka’s award-winning, collective-driven bicycle insurance - designed to offer fair, comprehensive cover for every kind of cyclist.

It’s so great to see this partnership continue to grow and protect even more riders across Europe!

hashtag#Lakahashtag#Decathlonhashtag#Belgiumhashtag#Insurtechhashtag#Cycling

What a ride. 2025 was the year of new places, riders, and milestones. From taking on new challenges in the e-scooter world to backing local racing and cleaner trails in our community - here’s a snapshot of the moments that powered us this year.

Shifting the Collective Up a Gear ⚙️

Up until this year, Laka has been a purely pedal-powered business. It’s what we’ve always done and our customers loved it. But in 2025 we had the opportunity to take Collective Insurance beyond bikes, and into the wider green mobility universe.

This year we successfully acquired Luko’s e-scooter portfolio - a key moment as we move towards becoming the category-defining insurer for micromobility across Europe. Luko is a French insurtech with thousands of e-scooter riders, meaning thousands more green mobility riders and vehicles joined the Laka community. This is our third acquisition in the last 18 months, after acquiring French bike insurer Cylantro in 2023 and CoverCloud's bike insurance portfolio in the UK in 2024.

Another huge milestone was our Series B funding, through which we raised £7.6 million in equity. Complementing this, we secured a £6.5 million Venture Debt Facility from HSBC Innovation Banking, bringing our total new funding to £14.1 million. In a fragmented micromobility insurance market, this new funding enables us to move quickly on strategic opportunities and cements our position as an emerging category leader.

Force for Good: Supporting Local Cycling Communities 🫶

Our Collective thrives when the community thrives. In 2025, we backed the people, projects and organisations that keep us all riding.

Looking after the places we ride 🌿

Trash Cat is an initiative led by Hari Milburn that combines purpose-driven adventures with a mission to clean up our trails. Riders with all types of bikes and from all backgrounds are brought together to achieve one common goal. The goal is simple: clean up the waste on our trails and open up a new way to explore the outdoors. During our event in Bath, over 625 items of single-use pollution were cleared up!

Supporting the British Racing Scene at the Via Criterium and The London Cycling Festival 🏁

The Via Criterium and the wider London Cycling Festival is quickly becoming one of the stand out events of the UK cycling calendar. Hosted by VIA Atelier in Kings Cross, the event draws thousands of riders and spectators every year. This year the elite races were part of the Rapha Super League, taking the racing to new heights! The action on the technical Coal Drops Yard circuit was as good as ever, with lots of rides and events happening beyond the track too.

MTB for the win 🌲

Local trails are the lifeblood of offroad riding. This year we sponsored Ride Bristol's mission to maintain local trails and grow the MTB community. Our donation helped train three new ride leaders (including two women!), enabling more group rides and events, as well as supporting trail maintenance at Ashton Court.

Team & Ambassadors 👑

We proudly welcomed Audrey Cordon-Ragot as our new Ambassador in France! Audrey Cordon-Ragot is an iconic figure in French cycling, being a multiple-time French champion and Olympian. She epitomises the passion and dedication needed to succeed at the highest level. But beyond the podiums, Audrey is a cyclist close to the community, who understands the realities of cycling, whatever the ability. With this partnership, Audrey Cordon-Ragot will help raise awareness among the community of the importance of protecting your bike.

Community Events 🎪

We co-hosted several top events among the cycling community including:

• The Ride Luca x Laka Women’s Bike Mechanic Workshop. Together, we helped riders gain confidence to nail one of the most essential cycling skills...fixing a puncture! We’re all about empowering riders, building confidence, and looking out for each other. It was great to see such a strong community of women learning together and gaining hands-on, practical tips (puncture repair counts as a VERY important life skill in our books!).

• We brought together 100+ cycling industry professionals with our first Lakapéro in Paris. All with the help of Le Concentré Vélo + Le Job Vélo. The appetite for real life connection is real. We’re hoping to replicate this event in other cities in the future, so keep those eyes peeled for an event near you soon.

• One of our favourite rides this year - the super ride out with Laura Kirkpatrick at The Clubhouse Putney for a 35-kilometre loop around Richmond Park.  It was so amazing seeing people show up, connect and learn more about cycling.

Turning Heads

Alongside being one of the most iconic London cycling brands, Condor Cycles also have a shop to match, with a legendary front window that riders and commuters cycle past every day.

This year we collaborated with Condor Cycles to turn the attention to bike insurance, with the aim of turning a few heads on the morning commute.

Our message was simple, if your bike gets stolen, Laka will have your back. It was great to get Laka noticed out in the wild, on the streets of London with an eye-catching display and a powerful message.

Laka on Tour: Making Our Mark!

We got our hands dirty at the legendary Mont Ventoux, leaving our  touch on one of the most iconic stages of the Tour de France. Armed with our coral chalk spray, we tapped into the buzz of the race and covered the tarmac in Laka style.

Highlight Stats From a Year of Supporting Riders 🔢

Our year in numbers, find out some of the stats behind another year of keeping cyclists on the move:

Most Popular Bike Types Added to the Collective in 2025

1. Road Bike
2. City Bike
3. E-bike
4. Hybrid
5. Cargo Bike

Fastest Claim (from settlement >  fulfilment)

• 4 hours, 4 minutes, 5.26 seconds

Oldest Rider Added to the Collective

• 97 years young!

Paving the Way for Partnerships 🤝

The Laka pack got a lot bigger in 2025!

This included teaming up with over 20 new partners, from industry giants to innovative startups.

Our partnership with sports retailer Decathlon continued and expanded, as we opened to five countries - opening in Germany and Belgium to add to existing UK, French, and Netherlands markets. We’re looking forward to continuing to support Decathlon’s European customers with collective bike insurance into 2026.

This wasn’t the only partnership though. From teaming up with leading bike-leasing company Eurorad and premium e-bike brand Kalkhoff, to connecting with pioneering German e-bike brand Lemmo and French bike subscription service Motto, we expanded our presence across Europe/ e-mobility ecosystem.

These partners highlight our diverse, rock-solid, and scalable foundation for providing insurance to fleet and e-commerce brands that will keep the world riding.

Industry Recognition & Awards 🏆

Awards aren’t the goal; our riders are. But when independent judges recognise the way we put the Collective first, it’s a reassuring signal that we’re building an insurance product that genuinely works. That commitment has earned us:

Major Wins

• Best D2C InsurTech: Global InsurTech Awards
• Best Cycle Insurance Provider: Insurance Choice Awards (Smart Money People)
  Our 8th consecutive win
• Insurtech Award: National Insurance Awards 2025
• Highly Commended: Best Claims Processing Software

Shortlistings

• Beyond Boundaries: Scale50 (powered by Sønr)
• Businesscloud’s InsurTech 50 Ranking for 2025
• Top 10 Startups: European Startup Prize for Mobility (6th Edition)

Plenty of 5+ STAR Reviews ⭐

Customer service is at the core of what we do; it isn’t just a nice-to-have. Our CX team exists to put riders first, resolve issues fast, and make insurance feel fair and human. This year, that focus really showed. Some highlights include:

• Over 330 five-star ratings in the Insurance Choice Awards
• 144+ five-star Trustpilot reviews

Some highlights of these reviews:

Amy  ⭐⭐⭐⭐⭐

“Just as they advertise the claims process was quick, easy and clear. I almost couldn’t believe I was dealing with an insurer!”

Dominic ⭐⭐⭐⭐⭐

“Fantastic concept, best value for money. An ideal way to have claims dealt with diligence and fairness.”

Fiona ⭐⭐⭐⭐⭐

“Very clear and good communication. Never any issues and understand where my money is going monthly.”

2026: So, What's Next?!

Closing out 2025, we’re now pedalling into 2026 with even more ambition. New markets, partnerships, and opportunities are already on the horizon.

To everyone who’s ridden with us this year - riders, partners, investors, and supporters - thanks for being part of the journey.

Together we’ll keep pushing the future of sustainable mobility forward and looking after the riders who make it all possible.

Team Laka x

We are humbled and proud to share that Laka has been named “Best Cycle Insurance Provider” for the 8th year in a row at the Insurance choice awards,  run by Smart Money People🏆💚

What started as a stubborn idea to change the dynamics of insurance has grown into a collective that truly strikes a chord. Our model works because of our amazing community of riders, partners, and the Lakanauts who bring it to life every day.

A huge thank you to our customers who voted for us, to our partners for your continued trust, to our investors for backing the vision, and of course to our team for giving it your all - every single day.

Our ambition remains clear: to become the World's leading Green Mobility insurer. And last night, we took one small but meaningful step closer.

If you’re part of the cycling ecosystem and want to offer your riders award-winning protection, we’d love to connect 🚲

We've extended our partnership with Decathlon to offer insurance in Germany - giving customers access to fair and flexible insurance.

Laka will now offer Decathlonʼs German customers an exclusive offer to ensure their customers are protected when riding their bikes. Known as an expert for different types of sports equipment, clothing and accessories as well as services , the partnership with Decathlon is incredibly exciting and builds on Lakaʼs existing network of retailers and brands. Building on the success of their technology partnership in the Netherlands, Belgium and France for connected e-bikes, as well as in store partnership in the UK, this shows the commitment from Laka and
Decathlon to stamp out thieves everywhere and keeping everyone riding.  

On the Decathlon partnership, Tobias Taupitz, Laka CEO said,

“Laka is really excited to be able to offer more of Decathlon's customers insurance at point of sale. Weʼre determined to provide a best-in-class experience for its customers. Together, we can help their customers fully enjoy their bike, knowing that Laka has their backs and swiftly get them back on the saddle if needed. ˮ

Axel Thunig, Domain Leader Mobility, Decathlon Germany says:  

“Decathlon's mission is to move people through the wonders of sport. Partnering with Laka, we're able to protect our cyclists' bikes from any damage or theft. This top-level security will help grow the soft mobility sector in Germany.ˮˮ

All Decathlon Germany customers will receive 15 days free insurance. The offer applies to all bikes with a purchase value of €300 or more. The cooperation with Laka begins on March 1, 2025.