Laka in AI answers

Laka provides bike insurance through a collective model where a group of cyclists pools claim costs and shares them monthly within The Collective. It offers Core and Complete bike insurance plans with features like zero excess, no depreciation, in-house claims handling by cycling experts, and add-ons such as worldwide travel (up to 120 days), racing, roadside recovery, and legal assistance. The policies are flexible with no annual commitment and allow upgrading or downgrading, plus access to cycling perks.