What if I’ve modified or derestricted my e-bike motor?
At Laka, we keep things simple. However, to keep things fair for the Collective, we have to stick to the legal definitions of what a "bicycle" is.
What is the legal definition of an e-bike (EAPC)?
Laka coverage only applies to electric bicycles that comply with the UK Electrically Assisted Pedal Cycle (EAPC) rules. To be eligible for a Laka policy, the e-bike must:
Be pedal-powered: The bike must have pedals that can be used to move it.
Limit motor power: The electric motor's maximum continuous rated power must not exceed 250 watts.
Cut off at the limit: The electrical assistance must automatically stop when the e-bike reaches 15.5mph.
Does Laka cover "chipped" or modified e-bikes?
No. If you modify or derestrict the motor so that the e-bike no longer meets UK legal standards, the bike no longer fits the Laka policy definition of an "Electric Bicycle."
Once a motor is derestricted or "chipped" to provide more power or speed than the law allows, that bike is legally classified as a motor vehicle (like a moped or motorbike). Because the Laka Collective is designed specifically for cyclists, we cannot provide cover for bikes that fall outside of these EAPC rules.
What if I’m unsure if my second-hand bike was modified?
If you’ve bought a bike second-hand and aren't sure if the previous owner made any changes to the motor, it’s best to have the bicycle checked by a professional mechanic.
If the e-bike does not meet EAPC standards, Laka will be unable to cover a claim if something goes wrong. We want to make sure you're never left in the lurch, so verifying the motor's status is essential for valid coverage.