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Laka: Cycle insurance reviews

View other Laka products
4.95
Based on 2,683 reviews, last reviewed 24th Oct 2025
109% 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%
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0%
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0%
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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)

Great idea

5
Excellent idea which is genuinely disrupting the industry. They have turned premiums on their head and I hope the model is applied to other parts of insurance in the very near future. Reviewed on: 10th August 2018
John W's avatar
John W

Great commitment

5
The people of Laka are super helpful and do their best to give you everything you´ll need. Reviewed on: 10th August 2018
Matthias Possert's avatar
Matthias Possert

Great proposition

5
Great new concept - truly revolutionary and I love the way that premiums are zero if nobody claims. They win = I win! Reviewed on: 10th August 2018
Chris's avatar
Chris

In it together

5
Easy to sign up, and the bill every month is clearly laid out and lower than I’d have paid elsewhere! I can do everything online, and they always respond quickly via the chat, it’s like they actually care! Reviewed on: 10th August 2018
Ben's avatar
Ben

Amazing value insurance with community benefit

5
Since signing up a year ago Laka has cost us very little. The groundbreaking sharing of the losses between the community of cyclists results in community spirit and lower claims. Reviewed on: 10th August 2018
Charlie Cee's avatar
Charlie Cee

Tried it and needed it!

5
I tried out Laka thinking well priced bike insurance would be a good idea. Little did I know I would actually need the make a claim! When I did there response was incredible. I couldn’t recommend Laka any more highly. It’s a great product with great service run by a great team. Reviewed on: 9th August 2018
Bigjulesie's avatar
Bigjulesie

An innovative insurance provider, which gives me peace of mind

5
Riding a cargo bike is a great thing, which both me and my wife love. Recently however - listening to the news - we started to be scared about vandalism and robberies in London. We heard about Laka and its model, we decided to tried it out, to be a bit less anxious about our loved cargo bike. So far, so good. We have had a positive experience: great customer service, honest and transparent approach. We have been able to afford the policy and we hope/trust we will be able to continue to do so. Thanks Laka. Reviewed on: 9th August 2018
Mario Toraldo's avatar
Mario Toraldo

I can't believe some people aren't with Laka!

5
The level of customer service is incredible. On occasions it's the CEO that's emailing you, not some useless phone handler. Paying into part of a cycling community feels much better than paying insurance companies premium fees. I paid a whole £3 this month and there's NO excess. I would genuinely recommend this to anyone. Thanks Laka Reviewed on: 9th August 2018
William Sturgeon's avatar
William Sturgeon

Amazing first class

5
Laka are clearly experts in their field and offer a wealth of knowledge and support. Reviewed on: 9th August 2018
Gemma Adams's avatar
Gemma Adams

Modern Day Insurance for Actual Cyclists

5
I've experienced the powers of crowdfunded cycle insurance with Laka - it's the shake up the industry needed! Reviewed on: 9th August 2018
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Alastair Hardie

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