# The Laka Model

Our insurance model

## Articles

- [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)