With an exclusive offer for Santander Consumer Finance customers.
We’ve partnered with Santander Consumer Finance to provide you with an exclusive Insurance offer for every bike you finance through Santander Consumer Finance.
Whether you take the kids to school on a cargo bike, ride for fun with the family, or hit the hills in Mallorca, with cover including damage, theft, worldwide travel plus loads more, customers will be protected by Laka wherever (and however) they cycle.
It’s as easy as buying a bike, activating your free insurance, and riding with peace of mind from your very first wheel spin.
You'll need your finance agreement number to activate your insurance. You can find it in your Santander Consumer Finance welcome email or text message.
Hit 'Activate Offer' to start and we'll automatically apply your credit.
Insure your gear with Laka and activate your policy.
Bingo! That's it. We'll apply 90 days free cover, 1 year liability cover and 1 year legal assistance to your account. What are you waiting for?
As part of the Laka collective you’ll always ride with quality, comprehensive, cost-effective cover. So whether it’s a pothole that buckled your wheel, or someone has stolen your bike – we've got your back. Your bike is insured against:
Unlike other outdated insurers, we don’t charge a fixed sum upfront. Instead, we calculate your premium based on the actual cost of claims that month. Much fairer.
That means your payments will vary, but your maximum contribution will be capped and some months you might pay nothing if nobody claims.
Boom. We’ll also show you exactly where your dough goes – fixing, replacing and helping fellow members get back on their bikes.
For a bicycle valued at £1,000 you'd pay with us:
" Just made my first claim and have been amazed at the support and service received. Want to call out Matt the bike guru who supported my claim, he resolved a stressful situation. Insurance isn't just about the fee you pay, it's the about the service you receive."
"Highly recommend - has been a very competitive monthly cost, and excellent service when I needed to claim. Laka sent out mechanics to collect and check my bike and I was able to get my custom-fit race bike replaced within a week!"
"Basically the hype is real, which in today's world of cost cutting, pretend-optimised, overly complicated engagements with customer service is great. It just works, in exactly the same way many other companies don't when dealing with them."
"I don’t really do recommendations but I have to praise Laka. I recently had an accident on my bike and contacted Laka. This was genuinely the most painless experience ever. If your bike is your pride and joy you must use Laka."
"Amazing customer service, quick, responsive and spot on. I couldn't believe my whole claim was sorted in 2 days with plenty of flexibility. Insurance solutions from cyclist to cyclist is definitely for real, I strongly recommend Laka!"
"Laka are literal bike-savers! My brand new Pinarello was stolen. Losing your bike is always a risk. When it happens it’s an awful feeling but getting a replacement of your choice couldn’t have been more easy with Laka and helped get back on the road."
We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.
80% of your money goes straight back into the collective: fixing, replacing, helping, whatever. And the other 20% keeps our wheels spinning.
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. We explain a little bit more about this below.
When stuff goes wrong, we’ve got you. Claims are handled by experts and usually agreed within a day. With no depreciation or excess.
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 is 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. Are there no claims in a month? Then you (and the rest of the collective) pay nothing at all. Fair enough.