Essential Insurance for You and Your Bike

Your Coverage with Core

You and your bike are covered in situations that matter with complete and cost-effective cover. Cover includes:

Theft

At home and on the go (including mugging). Your bike, gear & accessories replaced with the latest model.

Third Party Cycling Liability

Comprehensive liability cover for personal liability when you're out cycling.

Legal Assistance

For pursuing a personal injury case after an accident that wasn’t your fault. Be it a driver or pothole.

Excess-Free Bike Claims

We won't penalise you if you claim for a replacement bike. Approved claims are paid in full and we won't put your price up after a claim.

Bike Rental

To keep you moving when you’re without your bike, we'll reimburse you for a rental up to an agreed limit.

Multi-Bike Discount

50% off any extra bikes in the same household.

5 Reasons Why You Want to Insure Your Bike with Laka

• Flexible cover with no annual subscription
• Pay nothing upfront - all claims are split fairly at the end of each month
• No depreciation & £0 excess on your bike
• Your claims are handled in-house by cycling experts who know how your bike works
• Top-notch claims experience - awarded 'Best Cycle Insurance Provider' for 8 years in a row

The Perk of Pack Pricing

Unlike other outdated insurers, we don’t charge a fixed sum upfront.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 at a fixed amount. We’ll also show you exactly where your dough goes – fixing, replacing and helping fellow members get back on their bikes.

The Collective

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’s 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.

What Makes Us Different

Pack Mentality

We're a team of optimists that look out for each other. Our collective bicycle insurance is new, smart and different than usual. With Laka you'll never cycle alone.

We're Here for You

When shit does hit the fan, we’ve got you. Claims can be submitted easily online and our in-house claims team usually responds within a day.

Never Tied Down

We're over annual contracts tying you down. If you want to update, add travel/racing, or pause you can. Anytime.

Voted the Best Cycle Insurance Provider. By You.

Laka's top-notch claims service is an experience so good, you'll actually want to claim. Voted 'Best Cycle Insurance Provider' for 8 years running.

Testimonials

Jonny

"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."

Valentin

"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."

Sandro

"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!"

Ryan

"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 about the service you receive."