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Laka: Cycle insurance reviews

Name: Cycle insurance
Rating: 4.86 (2918 reviews)

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4.86

Based on 2,918 reviews, last reviewed 25th Sep 2026

22800% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

97%

Latest highest rating:

4

I easy and care free. I easy and care free. The cost does change but it is always responsible Reviewed on: 25th September 2026

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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Awards

Best cycle insurance provider 2025

Awarded to the insurer rated highest in customer reviews for bicycle insurance in the UK.

Laka Cycle insurance reviews (2918)

Its simple, transparent, and fair!

Its simple, transparent, and fair! Reviewed on: 2nd September 2026

Laka Delivers When It Matters

I have been with Laka for several years and, unlike many people reviewing insurance, I can speak from experience of actually having to make significant claims. After a serious cycling accident in which my high-value Brompton was badly damaged, Laka supported me through the claim and replacement process. They also provided Health & Recovery support, including physiotherapy, which showed me that their cover is about more than simply replacing a bicycle. Unfortunately, I later experienced another very different and distressing incident when my electric cargo bike was stolen during a robbery. Once again, Laka dealt with a substantial claim and helped me get back to cycling. These experiences are the reason I continue to insure my bicycles with Laka. I own several bicycles and comprehensive insurance is a significant monthly expense, so I don't say that lightly. Insurance can look excellent on paper, but its real value is only discovered when something actually goes wrong. In my experience, Laka has been there when I genuinely needed them. I also appreciate being able to manage and adjust the cover for my different bicycles, and when I have contacted Laka with questions, including recently about changes I wanted to make to one of my bikes, I have received clear and helpful answers. Cycling is an important part of my everyday life and something I enjoy with my family, so having confidence that my bicycles are properly protected matters enormously to me. Based on my own experience of multiple genuine claims and continued cover, I can confidently recommend Laka. For me, they have demonstrated what a good bicycle insurer should do: provide reassurance when everything is fine, and deliver when something goes wrong. Reviewed on: 2nd September 2026

Really easy to sign up and upload photos for future...

Really easy to sign up and upload photos for future reference Reviewed on: 2nd September 2026

Best of the bunch

have tried other insurers but Laka is the best by miles -no quibbling just action Reviewed on: 2nd September 2026

Have the insurance for racing

Have the insurance for racing as a “just in case”. Back wheel got broken in a crash. Wheel replaced. Like for like. Reviewed on: 2nd September 2026

Have always had great and fast support

Have always had great and fast support Reviewed on: 2nd September 2026

Great quote prices. Value. And cycling community.

I have a solid pretty fair monthly quote allowing me to get insurance covered for not just my one bike that I use most often as a work commute. My more expensive one worth £4,000. But also a second bike as part of the insurance quote that I enjoy using for leisurely rides in my local area. No matter which bike I’m using I am currently covered for any damage unintentionally caused to either bike while I’m riding on the road for the chance that speeding drivers in my local area I’m covered if I’m spooked while on the bike and damage a part then the value of my bike is covered to be repaired and the same for any bike equipment I’ve got for commutes like a reliable chunky bike lock, pannier rack water bottle holder, phone case holder and also the digital display on the handlebar. The helmet I’m using and the bike lights I’ve bought to use on the bike when light begins to fade in the winter season on the way home from work. Or even for early mornings on the way to work so that I can be seen and ride safe. It’s also covered under my insurance quote paying a small fraction of the value of my items so that the value of the items I have can be covered by Laka if anything were to happen as a very worst case situation. Very reliable and supportive insurance cover for me, my 2 bikes and the simple accessories / bike equipment I use often on rides. And on rare occasions paying maybe up to £5 more on my monthly bill to Laka is almost nothing because that covers another rider if they had an accident by getting members to collectively chip in just that little bit so that another cyclist is also covered and supported by the community for any accident they might have or near miss with something and can easily replace a part getting the bike serviced having just that little extra gifted to them. And because cyclists are often pretty safe on the road paying the £5 extra I don’t have to worry about on my bill because it’s only gone off once out of the 6months - 12 months I’ve been using Laka as my Bike insurance provider. Reviewed on: 2nd September 2026

Super easy set up, excellent service, transparent wi...

Super easy set up, excellent service, transparent with fees. Feel super safe and secure knowing my bike is ensured with Laka! Reviewed on: 2nd September 2026

Finally an insurance policy that just works well!

Finally an insurance policy that just works well and you can 100% rely on! Reviewed on: 2nd September 2026

Human, humanist, happy!

Gotta love cyclists looking out for each other. And a really well designed sign up process. Reviewed on: 2nd September 2026

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Laka: Cycle insurance reviews

22800% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Review Laka: Cycle insurance now

Best cycle insurance provider 2025

Laka Cycle insurance reviews (2918)

Its simple, transparent, and fair!

Laka Delivers When It Matters

Really easy to sign up and upload photos for future...

Best of the bunch

Have the insurance for racing

Have always had great and fast support

Great quote prices. Value. And cycling community.

Super easy set up, excellent service, transparent wi...

Finally an insurance policy that just works well!

Human, humanist, happy!

Review Laka: Cycle insurance now

Join Smart Money People

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