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Laka: Cycle insurance reviews

View other Laka products
4.95
Based on 2,684 reviews, last reviewed 9th Feb 2026
100% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
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3%
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Latest highest rating:

5

good clear helpful. good clear helpful. bike people who get it Reviewed on: 9th February 2026
Alabaster's avatar
Alabaster

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 (2684)

a cooperative model

5
a fine firm with a transparent cooperative business model Reviewed on: 18th September 2020
John William Hodgson's avatar
John William Hodgson

Fantastic bike insurance

5
Have recently joined Laka and have been really impressed with the set up and how the insurance works. Really happy with the transparency of the company’s billing and approach. Hope I don’t have to claim but from what I have seen I will confident in their ability to handle with ease. Reviewed on: 18th September 2020
Simon Angelinetta's avatar
Simon Angelinetta

Insurance tailored to the cyclist.

5
After building my dream bike from the frame up I was delighted to find insurance that protected it at a reasonable price. The simple application process and clear monthly statements are key parts of the excellent product. The bonus of lower costs during low claim months is another great feature. Reviewed on: 18th September 2020
David Ralph's avatar
David Ralph

Really easy and friendly sign up at good value

4
I was referred by a friend giving him a discount and me great bike insurance! It was really quick easy to sign up so I could get out riding with a clear conscience. Reviewed on: 18th September 2020
James Peaty's avatar
James Peaty

Excellent cycle insurance cover with great business and pricing model

5
I've been with Laka for around 6-8 months and I love the approach and the style of the company. It really taps into the culture of being a cyclist. I also enjoy that you only pay for the claims over that period which has saved me money on the maximum premium every month. Brilliant. Reviewed on: 18th September 2020
James's avatar
James

Excellent alternative bike cover!

5
It’s great to have a bike insurer that thinks outside of the box! Reviewed on: 18th September 2020
Richard Hambly 's avatar
Richard Hambly

A fairer way for insurance to work

5
Love the idea that in months where claims maybe lower we also see the a reduce in our insurance. Reviewed on: 18th September 2020
Jason's avatar
Jason

Best value bike insurance

5
Excellent cover provides peace of mind at a low cost compared to competitors. Referral system giving credit is also a nice touch. Reviewed on: 18th September 2020
P Walker 's avatar
P Walker

Great service

5
I needed to log a claim following some damage to my bike. Laka responsive and quick and proactive with communications there was no increase to my premium as a result of needing to claim. Reviewed on: 18th September 2020
Melissa Snaith's avatar
Melissa Snaith

Insurance like it should be

5
Perfect for multiple bikes owner. Pricing is super competitive, and service never fallen short! I contacted them few time and was always served promptly, in a very professional manner. I could not recommend them enough. Reviewed on: 18th September 2020
Samuel 's avatar
Samuel

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