Awesome, welcome to the collective! Your bikes are now covered and you’re good to go (unless you set a start date in the future of course!).

So what next? Well, there are a few things that we need from you and some added tips to make sure you have the best experience with Laka.

Check you have the right value for your insured gear

When it comes to making a claim, we replace gear on a 'new for old' basis and don't apply any depreciation.

We’ll arrange the repair or replacement of your gear as new or, at our discretion pay you or a supplier directly.

The maximum we’ll pay is the insured value of each individual item of insured gear shown in your policy schedule.

If we settle your claim in cash, the maximum we’ll pay is the cost for which we could replace the item of your insured gear like for like, as new.

You’ll have to pay any co-insurance before we settle your claim.

We recommend insuring at RRP but more info can be found here.

Add photos of your bikes and gear

You’ll need to upload photos of your bike and your accessories to your account.

Photos help you to prove ownership of the gear you have listed on your account. This will make the process even easier if you ever need to claim. Anyway, we love to check out our collective’s gear and we’re always on the hunt for next month’s bike bling winner.

Photograph(s) of your insured gear will need to allow us to see the make and model of the item(s) and will need to have been taken before an incident took place and show the item(s) of your insured gear in the same condition as when they were added to your policy.

Have you got a Sold Secure Gold-Rated lock?

If you’re planning on locking your bike up in a communal storage location, we ask the Laka collective to use a Sold Secure Gold-Rated lock.

Whenever you leave your bike unattended away from your home or a private storage location you’ll need to secure your bike to an immovable object using a Sold Secure Gold-Rated lock.

Check your lock meets the standards and make sure you upload proof of ownership with a photo in your account area. You can learn a bit more about Sold Secure Gold-Rated locks here.

You don’t have to have a Gold-rated lock to take out a policy with Laka - we just ask that you use one if you’re going to leave your bike unattended away from your home or a private storage location.

Did you add clothing and accessories?

You can protect more than just your bike with Laka. Make sure you include accessories like your helmet, lock, lights and bike computer. You can also cover your clothing too!

Just make sure you pop a photo in the gear section of your account then the collective has got your back!

Bring your friends into the pack!

You can earn a tidy £25 for referring a friend to the Laka collective if they take out a bike insurance policy. Just grab your unique referral code from your account area and share it with your buddies. Easy as that!

As always, if you need help, contact us.