Smart Money People Logo
Share this page
Link copied

Laka: Cycle insurance reviews

View other Laka products
4.95
Based on 2,651 reviews, last reviewed 25th Sep 2025
28700% increase in 5 star reviews
in the past 90 days
100% increase in 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

Proper bike insurance They seem good value but I have not yet needed them so I don't know what the customer service is like our how will they deal with claims, but I'm opti... Read more Reviewed on: 25th September 2025
Mx Paul 's avatar
Mx Paul

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
Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Laka Cycle insurance reviews (2651)

Innovative and transparent

5
Innovative and transparent insurance. Not the cheapest but then quality doesn’t come cheap. It’s nice to know where the money goes and the community makes it more than an insurance provider. Reviewed on: 22nd August 2019
Richard Oxley's avatar
Richard Oxley

Simple but specialist insurance for people with bikes

5
Good, honest and simple to manage bicycle insurance. The team at Laka we’re quick to respond to my questions, insurance is pretty comprehensive and the price competitive. What I like about this is that they also insure your bikes if in a locked shed. Would not hesitate to recommend: Reviewed on: 22nd August 2019
Jonathan Bunkall's avatar
Jonathan Bunkall

Awesome service!

5
I’ve used Laka for some time now and the experience has been top drawer. The community charging model works brilliantly, I’ve never paid the full monthly amount and have paid nothing a couple of times. But the best thing about Laka is the experience when I unfortunately had to make a claim. This was dealt with quickly, and easily, getting me back riding with no drama, fuss, or quibbles. I have already recommended Laka to lots of friends, and I wouldn't use any other insurer for my cycling kit now. Reviewed on: 22nd August 2019
Antony Meek's avatar
Antony Meek

Innovative, redesigned cover with community risk sharing

5
I was one of the earliest adopters of Laka to cover my bikes ahead of an overseas week long trip. Most months I barely pay a premium as like-minded cyclists like me look after their bikes, lock them securely and try not to crash them... Reviewed on: 21st August 2019
MattFrog's avatar
MattFrog

Transparent and reliable

5
I've never felt so genuinely looked after when it comes to cycle insurance. The monthly emails are fully transparent and give you a full breakdown of the (usually tiny) costs that are being passed along to you. Reviewed on: 21st August 2019
At80's avatar
At80

Best bicycle insurance

5
Laka are great. The concept is amazing. I love how unlike other insurers, they're always transparent about how the costs are calculated. Reviewed on: 21st August 2019
Natalie Klinger's avatar
Natalie Klinger

Love it

5
Great customer service, along with a great model. Reviewed on: 20th August 2019
P's avatar
P

Fabulous

5
Everyone I know who has needed to claim has had their claim sorted quick as lightning. Every conversation I've had with Laka has been friendly and efficient, best insurance experience ever! Reviewed on: 8th August 2019
Scoot's avatar
Scoot

AMAZING!

5
LAKA got me riding again as soon as possible, I could live chat then late on a Saturday evening and call staff even when they were off sick. They were more like helpful friends than an insurance company, and I can’t imagine ever insuring my bikes with anyone else. Friendly, helpful and fantastic! Reviewed on: 8th August 2019
Lydia Hunter's avatar
Lydia Hunter

The best insurance policy ever

5
Love the customer service and offering. I made the claim and it dealt with it instantly. Reviewed on: 7th August 2019
John Smith's avatar
John Smith

Review Laka: Cycle insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill