# The Laka Model & Billing

## Articles
- [Why is Laka more expensive than some other insurers?](https://help.laka.co/en/articles/747854-why-is-laka-more-expensive-than-some-other-insurers)
- [Does Laka offer a no-claims discount?](https://help.laka.co/en/articles/627258-does-laka-offer-a-no-claims-discount)
- [14-Day Cooling-Off Period](https://help.laka.co/en/articles/526411-14-day-cooling-off-period)
- [How does the multi-bike discount work?](https://help.laka.co/en/articles/627375-how-does-the-multi-bike-discount-work)

## Billing
- [How is my payment calculated?](https://help.laka.co/en/articles/627380-how-is-my-payment-calculated)
- [How do you calculate my monthly share?](https://help.laka.co/en/articles/526412-how-do-you-calculate-my-monthly-share)
- [How do you calculate my quote?](https://help.laka.co/en/articles/526398-how-do-you-calculate-my-quote)
- [Payment Dates - When you will be charged [UK]](https://help.laka.co/en/articles/526365-payment-dates-when-you-will-be-charged-uk)
- [Does my policy automatically renew each month?](https://help.laka.co/en/articles/526375-does-my-policy-automatically-renew-each-month)

## The Laka Model
- [All charges, discounts and promotions explained](https://help.laka.co/en/articles/526364-all-charges-discounts-and-promotions-explained)
- [What is the Laka Collective?](https://help.laka.co/en/articles/526339-what-is-the-laka-collective)
- [What is the Laka Fee?](https://help.laka.co/en/articles/526390-what-is-the-laka-fee)
- [What’s Insurance Premium Tax (IPT)?](https://help.laka.co/en/articles/526345-what-s-insurance-premium-tax-ipt)