Smart Money People Logo
Share this page
Link copied

Laka: Cycle insurance reviews

View other Laka products
4.95
Based on 2,649 reviews, last reviewed 23rd Sep 2025
28600% 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:

5

Clear and efficient service, highly recommended. Clear and efficient service, highly recommended. Reviewed on: 23rd September 2025
Eduardo Guasque's avatar
Eduardo Guasque

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 (2649)

Great company with great services

5
Great company with great services Reviewed on: 30th August 2018
Anonymous's avatar
Anonymous

Defining bike insurance the way it should be.

5
I've been a Laka customer for 7 months. for 4 months my premium has been zero. 2 months i paid out but much less than my capped premium. Once I paid the full premium. 7 months insurance for 5.5k of bikes and kit for about 75 pounds. And the best bit? When I have to pay a premium I really don't mind, because I am getting an unfortunate like-minded cyclist back on the road, and I know if that was me, how grateful I would be. This is the way insurance should be. Transparent. Innovative. Hassle Free. Rewarding. Fantastic! Reviewed on: 23rd August 2018
Rupert Englander's avatar
Rupert Englander

Outstanding insurance cover!

5
I am amazed by Laka innovative character in bringing up an adequate and fair solution to the insurance market by engaging with the cycling community to create a crowd based insurance business model! Reviewed on: 22nd August 2018
Maria Teresa Weidlich's avatar
Maria Teresa Weidlich

Innovative insurance

5
neat well managed web site that explains simply this new concept for insurance. I believe it will transfer to other fields. Reviewed on: 19th August 2018
Dave Allen's avatar
Dave Allen

Great value, simple insurance

5
Great value, simple insurance . Yet to claim, but impressed so far... Reviewed on: 17th August 2018
Griff's avatar
Griff

Great!

5
Really friendly, easy to use, would recommend Reviewed on: 17th August 2018
B's avatar
B

Fanlakatastic

5
Laka has been great. Such good value for money-would recommend Reviewed on: 15th August 2018
Harriet Skan's avatar
Harriet Skan

Amazing new insurance product and model

5
All the insurance products should follow this model. This gives real value for users and delivers a product shaped on the needs of the user. Reviewed on: 15th August 2018
Alessandro's avatar
Alessandro

Great, innovative product

5
Great, innovative product which helps you save on insurance costs from day 1. User-friendly and easy - 100% recommended! Reviewed on: 15th August 2018
Chris's avatar
Chris

A new insurance experience

5
I am normally always sceptical about insurances but Laka is the most honest and transparent model I could find. They also do have a great community of cyclists and it's easy to join! Reviewed on: 15th August 2018
Stephanie Antonia Sadjak's avatar
Stephanie Antonia Sadjak

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