We aim to bring you the best protection against theft, accidental damage, vandalism and loss for all things bikes.

Bikes we cover

Bikes between £300 and £15,000 can be covered with Laka. In total you can't insure more than £32,000 with us. We allow you to also add secondary bikes at the same £300 lower limit.

A few of the types of bike we can cover for you:

  • Mountain Bikes (MTB)
  • Road (inc. Track and Time Trial)
  • Gravel / Cyclocross
  • Adventure / Audax
  • E-Bikes (only electrically assisted pedal cycles!)
  • City / HybridCargo / E-cargo
  • Recumbent / mobility aid
  • Bespoke / custom builds

If you’re in doubt, get in touch with us and ask. We always love to talk bikes!


In addition to bikes, you can add up to £2,000 in accessories. You can cover the following accessories with us:

  • Shoes
  • Helmets
  • Sunglasses
  • Bicycle computers
  • Glasses and goggles
  • Lights
  • Locks
  • Bicycle boxes
  • Bicycle trailers and passenger(s) carrying trailers


We cover cycling clothing too.

How to cover your clothing
To choose your value add up the replacement costs of your most expensive clothing choice. This way we can replace your riding garments whatever you're wearing.

How we handle clothing claims
We try to repair (of course, only if that makes sense) or replace clothing when it's been accidentally damaged or stolen.

Choose the right value for your clothing
Whatever you choose as your insured value for clothing, this is the maximum we'll pay out in one claim. To be on the safe side, add up what it would cost to replace your most expensive clothing choice.

What we cover under clothing
We cover all kinds of garments worn when cycling. From skull caps, jerseys, base layers, bibs, arm and leg warmers, socks and anything else your might wear when riding.

Note: Shoes, helmets, and sunglasses are classed as accessories and should be individually listed.

Need something else covered? Let us know by contacting us.