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Laka: Cycle insurance reviews

View other Laka products
4.86
Based on 2,918 reviews, last reviewed 25th Sep 2026
22800% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
97%
See only 4 star reviews
3%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

I easy and care free. I easy and care free. The cost does change but it is always responsible Reviewed on: 25th September 2026
Conrad 's avatar
Conrad

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.

Review Laka: Cycle insurance now

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Laka Cycle insurance reviews (2918)

I had my bike stolen which is my life line.

5
I had my bike stolen which is my life line. Laka were not only efficient but also personable throughout the whole process. Reviewed on: 28th August 2026
Charlotte B's avatar
Charlotte B

With Laka from the start

5
I've ben a customer of Laka from the start and it continues to be the best solution for bike insurance in the marketplace. In that time I've had to regrettably make 2 claims and on both occasions the claims were dealt with quickly and comprehensively. That's the true test of an insurance, not the act of purchasing it in the first place. Reviewed on: 28th August 2026
Rupert Englander's avatar
Rupert Englander

Excellent service

5
Excellent service and very affordable model. Highly recommend Reviewed on: 28th August 2026
Sam's avatar
Sam

Clear, friendly communication

5
Clear, friendly communication and good value for money Reviewed on: 28th August 2026
Lynne's avatar
Lynne

Laka makes bike insurance a breeze

5
They have always been helpful, responsive, and sorted my issues every time. Reviewed on: 28th August 2026
Jack L's avatar
Jack L

Great to use, no issues so far!

5
Great to use, no issues so far! Good value for money Reviewed on: 28th August 2026
Sarah F's avatar
Sarah F

Very easy yo set up and maintain my policy online.

5
Very easy yo set up and maintain my policy online. The whole idea of a collective shows transparency and works for me. Reviewed on: 28th August 2026
CDub's avatar
CDub

No issues with the service.

5
No issues with the service. I like the way every month you get a detailed statement on how Laka proportions the funds versus the claims. More than just an insurance premium, a community. Reviewed on: 28th August 2026
JT's avatar
JT

Laka reimagines bicycle coverage with a community-dr...

5
Laka reimagines bicycle coverage with a community-driven, collective model. Instead of paying a fixed premium, your monthly cost varies based on actual community claims that month, capped at a guaranteed maximum. Laka keeps 20% to manage operations, while 80% directly covers claims. Key Advantages Zero Excess: Unlike standard policies charging £50–£150 deductibles, Laka charges £0 excess on all claims. No Contracts: Flexible, 30-day rolling coverage lets you pause, adjust, or cancel anytime without penalty. New-for-Old Settlement: Stolen or written-off gear is replaced at current market value without depreciation cuts. Cyclist-Led Support: Claims are handled by active cyclists who understand bike specs, components, and local shop workflows. Considerations Variable Billing: Monthly bills fluctuate based on network claims, which may feel unpredictable compared to traditional fixed rates. Slightly Higher Cap: For high-end builds or e-bikes, the monthly cap can run slightly higher than budget annual policies. Reviewed on: 28th August 2026
British C's avatar
British C

Great cycle insurance company

5
Been great, easy to add items and bikes, wasy monthly payment, with great scheme that if they payout less everyone gains Reviewed on: 28th August 2026
MATTHEW H's avatar
MATTHEW H

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