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Your monthly share

Typically around
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Bicycle insurance powered by you

Forget what you know about insurance.

Join a community of real cyclists to protect your bikes and gear. Our members get insurance at cost by only paying when claims are made.



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Discover the Laka difference


Play fair, take good care

Get the support you need when your bike is damaged or stolen. Return the favour by contributing a fair share to Laka.



Get a ridiculously fair price

Your share goes up and down (even £0!) based on the claims in our community. Rest assured we cap your maximum too.



Spend less time off bike

All claims are handled by our expert team and usually agreed within 1 day. Depreciation or excess? £0.


Bulletproof cover for your bikes & gear

Theft Cover

at home, locked outside, in the car & in transition areas of sportives & triathlons

Get your bike replaced after a theft from home or when locked with a gold-rated lock away from home. Your bikes are also covered in the car and at cycling events.

Damage Cover

during commutes, weekend rides, sportives & races

Whatever parts are broken after an accident or vandalism, we arrange the repair and replacement in no time. Even if you crashed during a sportive or race.

Travel Cover

for 60 days

Wherever you are on this planet, your bike is covered for up to 60 consecutive days. Go explore.

Race Cover

up to UCI level

Sportives and races are covered but we have a few exception if you are a professional racer.


taxi & rental bike

We reserve £200 to help make your life easier however we can after an accident or theft.

Fair price by design

With Laka, money which would usually line your insurer's pockets now stays in yours.

80% of what you pay goes to help fellow members who damaged or lost their bike and only 20% keeps Laka running. The rest is pure savings for you.

£25 free credit applied
How we use what you pay us
Monthly price to protect 
 of gear
Typically around
Never more than
Never more than £18 per month FREE FREE FREE £7 FREE £11 JAN FEB MAR APR MAY JUN

Bike insurance that's ahead of the pack

Get your money's worth

No excess or depreciation. You choose the value you want to insure your bike for, as-new or for the replacement value.

Flexible to the month

Annual contracts are so outdated. Cancel whenever you want and leave by the end of the month.

Instant everything

Cover your stuff in seconds and reach us via real-time chat whenever you need us.
Claims? Usually agreed within 1 day.

Recover like a pro

Get one of our limited recovery packages when you injure yourself but want to keep training.