Ride Freely

Straightforward bicycle insurance
powered by the community


The new way to cover your bike

Laka is a community of cyclists to cover your bike wherever you ride. This is possible through a straightforward insurance policy, engineered for real cyclists.

Our community makes sure you always get a fair price. Your monthly maximum price is fixed by Laka but all savings from fewer claims are passed on directly to our members.

This is straightforward bicycle insurance powered by the community.

Joining Laka is pretty simple


Join the Community

Signup and upload your bikes to the Laka App in a few minutes


Split the bill

For each claim in the community, we add a tiny charge to your bill


Keep the savings

Fewer claims means you & your fellow cyclists save tons


Forget hefty markups, pay the true cost of insurance

You only pay a small share when the community needs help

We step in when the cost gets too high and pay for the rest

See what it cost to protect 2200 of gear with us
Not more than £18 per month FREE FREE FREE £7 FREE £11 JAN FEB MAR APR MAY JUN

Simple Terms for Real Cyclists



When someone takes your bicycle or accessories from you. No matter where it happens. Please just make sure you have it locked when out and about.

Accidental Loss

When someone else (e.g. an airline or a courier) loses your gear whilst it is in their custody. Don't "lose" your stuff in the Thames, our community won't like that.

Accidental Damage

Any sudden, unintended and unforeseen damage to your bikes and accessories. Bad things happen, but we got you covered.


Whenever someone intentionaly breaks your gear, we'll get it fixed or replace the parts.


Wear & Tear

Any damage that naturally and inevitably occurs as a result of normal wear or aging.

Professional Racing

When you earn an appearance fee for participation or are paid a salary to participate including races by the Union Cycliste Internationale (UCI). Sportives, Gran Fondos or Amateur races are covered.

Not taking proper care

When you don't lock your gear to an immovable object with a Sold Secure Gold lock away from home. When you abandon your gear for more than 24 hours.

Acting against the community

When you or someone on your behalf act fraudulent or dishonest.

Still have questions?