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Laka: Cycle insurance reviews

Name: Cycle insurance
Rating: 4.96 (2651 reviews)

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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

97%

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

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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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 (2651)

Great Idea, Great Execution

Laka, in my view, is the sort of organisation that we would like to see more of in other walks of life. Their disruptive, customer-centric, business model is a welcome change from the usual painful insurance experience that we are all used to. Congratulations to the team for daring to be different! Reviewed on: 6th September 2018

Unbelievably good service, especially when I had a claim - They paid the same day!

I have only been a Laka customer for about 4 months and even though July is their ‘peak’ month for claims, I have still only paid about £16 to date. On top of this, while cycling in Italy last week I had an incident with my Garmin cycling computer. The clamp holding it to my bike broke mid-ride at about 40 km/h and the Garmin flew off my handlebars and smashed on the road. I immediately emailed Laka and although I initially had a little trouble with the website, they jumped into action to help process my claim and it was easy to upload a video statement of what happened and a picture of my broken Garmin. They could not have been more helpful. What really blows me away is that the next day I went to a local store in Italy to buy a replacement Garmin and Laka immediately repaid me and had the money back in my bank account by the time I went to bed that evening. I have never known an insurance company to be this helpful or pay out this quickly. A huge thanks and Laka have a customer for life! I would highly recommend Laka! Reviewed on: 5th September 2018

Fair and friendly

Sharing claims rather than paying premiums is really cool - it’s fairer and cheaper Reviewed on: 4th September 2018

Great idea, looking forward to it in Southeast Asia

Love the concept of not paying any premiums upfront, but rather a share of the actual claims cost at the end of the month, up to a clearly communicated personal cap. Customer-centric from the model up. Looking forward to seeing this biz branch into other verticals, and come to southeast asia to take the local scene BY STORM Reviewed on: 4th September 2018

Laka - on our side

I am so impressed with Laka. They have single-handedly restored my faith in the insurance industry. They are transparent, uncomplicated, friendly, and work hard to be sure that my claim is settled. Amazing. Reviewed on: 3rd September 2018

Undeniably good

The guys and the team of Laka do their best to make sure that all needs of their customers are satisfied! 5 out of 5 stars!! Reviewed on: 3rd September 2018

Great Concept

I really like the idea of basing insurance on real claims instead of on ex-ante calculations! Reviewed on: 3rd September 2018

Genuine innovation

So glad to see ancinoant thinking from scratch about how to provide a rear product for cyclists Reviewed on: 3rd September 2018

Amazing!

Laka has changed the way we think about insurance and saves us money in the process. Would recommend to everyone! Reviewed on: 3rd September 2018

Just what the industry needed

How can you not love an insurance that is so transparent and where interests are aligned. Unique! Reviewed on: 3rd September 2018

Review Laka: Cycle insurance now

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Laka: Cycle insurance reviews

28700% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Review Laka: Cycle insurance now

Laka Cycle insurance reviews (2651)

Great Idea, Great Execution

Unbelievably good service, especially when I had a claim - They paid the same day!

Fair and friendly

Great idea, looking forward to it in Southeast Asia

Laka - on our side

Undeniably good

Great Concept

Genuine innovation

Amazing!

Just what the industry needed

Review Laka: Cycle insurance now

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