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Laka: Cycle insurance reviews

View other Laka products
4.95
Based on 2,683 reviews, last reviewed 24th Oct 2025
86% increase in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
97%
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3%
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Latest highest rating:

5

best insurer never used anyone else best insurer never used anyone else Reviewed on: 24th October 2025
rob p's avatar
rob p

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
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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 (2683)

Down-to-earth insurance company

5
This is a "real" insurance company - for once you know what you are insured for, and if worst does happen you'll be dealing with people that love bikes and understand what it means to have a bike stolen. Super friendly and adequately priced. Reviewed on: 18th September 2020
Laura's avatar
Laura

Ridiculously easy and helpful

5
I’ve made a couple of claims through Laka and every time I speak to them they make the whole process really simple and quick. I’ve also heard nothing but good things from any friends who also use them. Reviewed on: 18th September 2020
Freddy Snowden's avatar
Freddy Snowden

A much more sensible insurance model!

5
Laka's insurance model is a refreshing change of pace - paying a premium based on the community's claims rather than a fixed sum is brilliant. Reviewed on: 18th September 2020
cowieson's avatar
cowieson

Groundbreaking approach to insurance

5
Novel community based insurance that ensures you pay your fair share every month, with a pre-set cap based. I had one claim on a power meter that was handled professionally and quickly. Laka paid the supplier directly after I sent in photos of the damage and did a quick video summary of the incident. Couldn’t have been easier. Reviewed on: 18th September 2020
MH's avatar
MH

Simple, clear and honest

5
Signup process, brand, tone of voice, pricing structure are all great. Reviewed on: 18th September 2020
Tbo's avatar
Tbo

I like them

5
They’re great. Excellent cover at very fair prices. Reviewed on: 18th September 2020
Philip Howard's avatar
Philip Howard

Great business model and everyone should join!

5
I've repeatedly recommended Laka to anyone I know buying a bike. Reasonable cost, I like that it is discounted where money is recovered so we all benefit. Reviewed on: 18th September 2020
Laura 's avatar
Laura

By far the best insurance of any type anywhere ever

5
Can't speak highly enough of Laka - affordable, transparent, friendly, efficient, fair, reliable. This community-powered insurance offering is genuinely on the side of cyclists. Keep up the great work! Reviewed on: 18th September 2020
Mark Williamson's avatar
Mark Williamson

Customer service is incredible

5
Fast professional customer service. No jargon. No problem. Couldn’t recommend them enough Reviewed on: 18th September 2020
vicky hayward's avatar
vicky hayward

easy customer focused insurance products. excellent

5
easy customer focused insurance products. excellent Reviewed on: 18th September 2020
ben's avatar
ben

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