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@Kernow you are welcome to check out our website for a quote. This will be heavily dependent on the actual bike value and number of bikes (we do offer multi-bike discounts): Laka - Bicycle insurance powered by you In our model, we charge at the end of the month, once we know how many claims...

Hi all, Laka is going to roll out 3rd-party liability cover for UK cyclists free of charge this Friday. You don't even need to cover your bikes with us. One of many more perks to come as part of the Laka Club. :giggle: You can sign-up here for early access: Laka Club - Curated perks that...

Hi all, just reporting back that we are going to roll out 3rd-party liability cover for cyclists free of charge this Friday. You don't even need to cover your bikes with us. One of many more perks to come as part of the Laka Club. :giggle: You can sign-up here for early access: Laka Club -...

Hi @meyeal, great to hear. We look forward to welcoming you to the Laka Community. We have currently a promotion in place. Please use the following link for £25 in free credit (or let me know when you took out cover and we'll add it on our end): Laka - Bicycle insurance powered by you Thanks, Tobi

Thanks for the pointer @Swissrob - I've put them on our list for leads. Interestingly we see good interest from Switzerland which could be a great market for us :)

Hi @Pottsy, I'm afraid no update yet as we are still exploring if and how we can get around NI's rules on e-bikes. Sorry to have no better news at the moment.

@Allysnell - this has been sorted and is now applied to your cover. You will receive a monthly bill, clearly stating the credits you have with us. We're going to add this to your dashboard, too (where we store your policy schedule and wording, just after logging in to our cap). You will also...

Hi @Moonballs, we're working with one of the large insurance companies to guarantee the personal cap (Zurich insurance). Unfortunately we have little wiggle room around the "Sold Secure Gold Lock" requirement. We have put the review of bike racks on our list to see how we can become more...

Hi @Moonballs, we have just done some research and it appears to be recommended to still lock the bikes securely to the rack. I'm afraid we would need to ask to have the bikes locked with any Sold Secure rated Gold lock/chain to the rack. Sorry for the hassle but we aim to keep the Laka...

We do cover theft, damage and loss at the moment (but will extend that over time). There is no excess or depreciation of the bike value. You can revisit the value of the bike each month and either increase or decrease it (if you want) - you will be charged on that basis. In case of a theft we...

Thanks for sharing your experience with this group. To be fair and transparent, I should note that we actually settled claims this month and split these costs across our cyclists. Your bill this month was less than the £25 free credit we offer our new customers as part of a promotion. There will...

@Pottsy - we're sorry for not being able to provide insurance cover. Due to the license plate requirements the product shifts more to the "motor (bike)" space and raises a range of challenging regulatory questions. We have it on our list of things to work through though. (y)

Hi Rob, the £97 is the maximum price in your case (based on the value of your gear) and we believe it's going to be a rare occasion that we are actually going to hit. On average (over a 12 months span), we're expecting to fare around half that price. We've done a lot of back testing with data...

Thanks for the open feedback and I second your views. We're a bootstrapping start-up (although partnering with a strong partner Zurich) and have way to go to optimise our offering. You should be able to get an initial quote on the first page of the website. Unfortunately we require some...

Hi all, just came across an active thread on bike insurance in general and cover from Laka in particular. Happy to answer any questions you might have. In a few words, Laka has introduced a brand new model for insurance, charging no more premiums upfront. Instead, we ask our customers...

@Theolegit - thanks for giving us a try! Your personal cap is indeed the maximum price and we will only charge cyclists based on the actual cost of claims. The first 3 months of the year, customers indeed paid zero as clearly less going on over winter. I hope you bear with us even if we get...

Hi @jamied - this is Tobi from Laka. Just came across this forum. Love the engagement! As to the comment on the car / immovable object, this was clearly an oversight from us and we are currently adding cover for bikes locked in or to a car. We are working with insurance partner Zurich to resolve...