Smart Money People Logo
Go to business site
Share this page
Link copied

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%
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

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
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 (2683)

Been with Laka for years, right from the start.

5
Been with Laka for years, right from the very beginning. Insurance how it should be. Had to claim twice over the years and on both occasions it was handled perfectly. Reviewed on: 2nd August 2025
Rupert Englander's avatar
Rupert Englander

Don't pay more than you need to

5
Don't pay more than you need to. In months when less claims are made, we pay less. And in months when more claims are made, we never pay more than the set cap. Reviewed on: 2nd August 2025
Marleen 's avatar
Marleen

Peace of mind

5
I found it an easy process insuring my bike and accessories. Although I haven't needed to use my insurance yet. I feel peace of mind being covered and think the cost is good value. Reviewed on: 2nd August 2025
C McCormack's avatar
C McCormack

Simple easy and reasonably cheep.

5
Simple easy and reasonably cheep. Having a photo record of my bike and accessories as part of the process is very handy as well. Reviewed on: 2nd August 2025
Ste C's avatar
Ste C

A refreshing insurance provider

5
As a beginner commuter cyclist, I was a little apprehensive at the thought of finding an insurance company that would actually pay out in the event of accident or theft. The shop I bought my bike from recommended Laka, and I was immediately won over by their clear love of cycling and desire to get and keep people cylcing. Such a refreshing insurance provider Reviewed on: 2nd August 2025
Lizzy's avatar
Lizzy

Transparency that should be standard

5
These guys are great everything is so transparent from a cost perspective all insurance companies should do the same. Reviewed on: 2nd August 2025
Jeff 's avatar
Jeff

Best insurance company

5
When I got my bicycle stolen, they were really prompt and fast in helping me. They even paid for my lime plan while i was without a bike. Always on point with explications and ready to help Reviewed on: 2nd August 2025
Antonio O's avatar
Antonio O

They're such a kind company that when i've had to ma...

5
They're such a kind company that when i've had to make a claim are quick to put things right. Reviewed on: 1st August 2025
Josiah Jones's avatar
Josiah Jones

Best claims experience, great value for money!

5
I’ve had to claim for a stolen bike twice in my life, and the experience with Laka was vastly different from what I had with another provider. That provider outsourced claim handling to an external team that dragged its feet and tried to sell me a much cheaper (and worse) bike as a replacement. They were persistent and made the claim process much more stressful on top of the robbery itself. In contrast, Laka’s claim process was smooth and personal. I felt informed at every stage and highly recommend them! Reviewed on: 1st August 2025
Leon D's avatar
Leon D

Cheap 3rd part cover

5
Cheap 3rd part cover, yet to be put the test. Fingers crossed I never need to claim. Reviewed on: 1st August 2025
Dan's avatar
Dan

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