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Laka: Cycle insurance reviews

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4.95
Based on 2,464 reviews, last reviewed 5th Sep 2025
11100% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
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Latest highest rating:

5

Super insurer Laka have always been fast and effective when handling my claims! Reviewed on: 5th September 2025
Tom V's avatar
Tom V

Latest lowest rating:

1

Terrible experience Terrible insurance. I opened a claim weeks ago, for damages. Every email interaction requires at least one week. So far, the faster response time was ... Read more Reviewed on: 14th August 2025
Stefano M's avatar
Stefano M
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About this product

Laka offer award-winning bike insurance.

Laka have a unique approach to pricing. They won't charge you a fixed sum. Instead, they calculate your monthly contributions - up to a max capped amount - based on the Collective's claims. The policy is completely flexible so if you want to upgrade, add travel, racing, or pause cover, you can.

Laka bicycle insurance reviews help you find out what it’s really like to be a customer. If you’ve used Laka before, you can also leave a review and share your experience.

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Laka Cycle insurance reviews (2464)

An insurance company with clarity.

5
Probably one of the most clear and concise communication of how they work and how your money is going. Reviewed on: 1st October 2022
Stephen Ryan's avatar
Stephen Ryan

Hassle free claim and amazing customer service

5
Best insurance company I’ve used so far Reviewed on: 1st October 2022
Lynn Luong's avatar
Lynn Luong

Hassle free and fast settling a claim

5
Had my beloved bike stolen and thanks to Laka I was back cycling within two weeks. My claim was accepted without any additional faff after submitting what was listed in a very clear requirements. Also appreciated the option to choose a different bike as a replacement and professional help. On top of that the community system of Laka is so much better than the usual insurance giants! Reviewed on: 1st October 2022
Anonymous's avatar
Anonymous

They will take care of everything

5
Easy, simple, and friendly people. Say goodbye to those insurances that make you feel guilty for being the victim. Reviewed on: 1st October 2022
Rafael Battaglini's avatar
Rafael Battaglini

Fast, reliable and feel-good insurance!

5
I got cycle insurance when more and more of my life came to depend on having a working bike. This summer, riding to Greece, my GPS computer flew off and smashed. Laka sorted it out that very day and the whole process from reporting to replacing was incredibly smooth and reassuring. Not only that, but it feels good to be a part of a collective that supports each other! Reviewed on: 1st October 2022
David Charles's avatar
David Charles

Very easy and transparent

5
Easy to understand what you'll be paying roughly when signing up. I like how transparent the monthly cost breakdowns are for my policy! Reviewed on: 1st October 2022
Mitch Ford's avatar
Mitch Ford

Extremely Impressed

5
I have been extremely impressed with the services Laka has provided me over the past 8 months. The joining process was seamless and I was provided with detailed and well spoken answered to all of my queries. I have encountered no issues with payment, customer service or the service itself. Great service with a great team behind it making it all possible. Reviewed on: 1st October 2022
Michael Alberts's avatar
Michael Alberts

Amazing customer service

5
Both times I’ve had to make a claim, Laka were very quick and efficient and I had the money in my account in a matter of days. Great customer service Reviewed on: 1st October 2022
pjpkennedy@gmail.com's avatar
[email protected]

An insurance company that feels more like a community

5
By understanding the stress of the situations within which they'd be called on, Laka have designed their claims process to be swift and helpful, and to help turn a bad situation around for the better. Their pricing structure is also commendable and builds a sense of community, where the premium one pays will vary depending on the cost of the collective's claims in a given period. Their purpose is to sustainably and reliably be a cyclist's friend. Reviewed on: 1st October 2022
rob@rjackson.me's avatar
[email protected]

Great idea for how all insurance should work!

5
Their business model aligns your interest with theirs. They only get paid when you do, so that are incentivised to pay for claims rather than rejecting them Reviewed on: 1st October 2022
Keeyan's avatar
Keeyan

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