WHAT IT MEANS
TO BE BACKED BY LAKA

Insurance Flipped

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.

The 80/20 rule

80% of your money goes straight back into the collective: fixing, replacing, helping, whatever. And the other 20% keeps our wheels spinning.

Pack mentality

Being part of Laka means committing to look after yourself and your stuff for the sake of the group. Think team first.

Got your back

When shit does hit the fan, we’ve got you. Claims are handled by experts and usually agreed within a day. With no depreciation or excess.

Never tied down

We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.

PRO
ULTIMATE
CORE
ESSENTIAL
Theft
At home and on the go - including mugging or from a vehicle. Your bike, gear & accessories replaced with the latest model.
Crash & Accidental Damage
You’re covered for any accidental damage to your bike and accessories. And if someone intentionally breaks your gear, we'll get it fixed or replaced pronto.
Roadside Recovery
We include £200 'get you home cash' to make life easier after an accident or theft. Might be a temporary rental bike, taxi, or train.
Racing & Events
Events are a big part of cycling, and are included in Pro. You’re even covered in transition areas during triathlons. Read the exceptions if you’re racing at pro level.
Worldwide Travel (120 days)
You're covered globally for up to 120 consecutive days. If you’re planning to travel for longer, let us know and we’ll look at your options. Core only covers the UK.
ALWAYS INCLUDED
£0 Excess
No excess to pay on claims. Excess is the amount it ‘costs’ to make a claim, insurers normally deduct this from any payouts.
Bike Rental
To keep you cycling - whatever happens. You’ll get up to £200 towards the rental of a bike whilst you’re awaiting the fulfilment of a claim.
Multi-Bike Discount
Get a 50% discount on any extra bikes that are in the same household and used by family members.
Legal Assistance
Cover for legal costs for pursuing a personal injury case after an accident that wasn’t your fault when cycling. Be it a driver or pothole.
LAKA CLUB
Third Party Cycling Liability Insurance
Comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.
Cycling Discounts
Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Grab the promo codes from your account area.
QUOTE
QUOTE
PRO
ULTIMATE
CORE
ESSENTIAL
Theft
Crash & Accidental damage
Roadside recovery
Racing & Events
Worldwide travel (120 days)
ALWAYS INCLUDED
£0 Excess
Bike rental
Multi-bike discount
Legal assistance
LAKA CLUB
Third-party cycling liability insurance
Cycling discounts
QUOTE
QUOTE
No matter what you ride

Voted the best Cycle insurance provider. By you.

FOr 6 years running

Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 6 years running.
But don't take it from us. Here's what the collective have to say.

Not our words.
Yours

"By far the best insurance company. Their ethos in trying to help the community is a truly innovative approach to insurance."

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