From 1st June 2024, Laka's packages change from Core+Pro to Core, Complete + Add-Ons. Read more here.
Laka prides itself on having some of the best monthly cover available for bicycles and gear - fit for cyclists of all disciplines.
Our packages are monthly rolling contracts, you can pause or cancel, provided you aren't in a lock-in period and can only pay monthly. Check out our full features and join Laka.
We offer two packages and an add-on for insuring your bikes and accessories, which are summarised below.
For full cover and limitations, check the policy wording and schedule. Your wording and schedule can be found in the cover section.
| Core | Complete | Complete + Racing & Worldwide Travel Add-on |
Theft | ✅ | ✅ | ✅ |
Crash and Accidental Damage | ❌ | ✅ | ✅ |
Emergency Travel Expenses / Roadside Recovery | ❌ | ✅ | ✅ |
Theft at Racing & Events | ✅ | ✅ | ✅ |
Damage at Events | ❌ | ✅ | ✅ |
Damage at Licensed Races | ❌ | ❌ | ✅ |
Covered in the UK | ✅ | ✅ | ✅ |
Property Covered Worldwide for up to 120days consecutively | ❌ | ❌ | ✅ |
Worldwide Liability Cover - excluding North America | ✅ | ✅ | ✅ |
£0 Excess | ✅ | ✅ | ✅ |
Bike Rental | ✅ | ✅ | ✅ |
50% Multi-Bike Discount | ✅ | ✅ | ✅ |
Legal Assistance | ✅ | ✅ | ✅ |
Licensed Racing & Worldwide Travel Add-on
Going on holiday with your bike or heading to a licensed race? To be covered you'll need to take out our Licensed Racing & Worldwide Travel Add-on from the 1st of June, 2024. There is a 30-day lock-in period.
If you are an existing customer, you will have received an invitation to opt-into this change, and were required to respond by 1st of June, 2024.
Currently, the add-on cannot be scheduled to start or stop.
The add-on cannot be added to Laka Core, the add-on is available to customers on the Laka Complete package only.
Key Limitations
For full limitations read the policy wording.
Each cover module listed above has its own limitations, but in general:
We cannot cover professionals.
You must adhere to the locking and storage requirements when leaving your bike unattended.
You must notify us within 28 days of an incident
Only family members are covered when using your bicycle, excluding personal liability.
We may reject claims that we believe have been deliberate acts or are fraudulent
You must provide photo evidence to prove ownership of all your items. You can upload this in your account area, under "Gear"
This list is not exhaustive, see the policy wording for full details.