{"id":452,"date":"2023-08-09T10:17:48","date_gmt":"2023-08-09T09:17:48","guid":{"rendered":"https:\/\/blog.citrus-lime.com\/actv\/?p=452"},"modified":"2024-09-11T16:52:11","modified_gmt":"2024-09-11T15:52:11","slug":"faster-payouts-less-fuss-no-excess-bike-insurance-from-laka","status":"publish","type":"post","link":"https:\/\/blog.citrus-lime.com\/actv\/faster-payouts-less-fuss-no-excess-bike-insurance-from-laka\/","title":{"rendered":"Faster Payouts, Less Fuss, No Excess\u2026 Bike Insurance From Laka"},"content":{"rendered":"\n<p>Activ Cycles has partnered with <a href=\"https:\/\/my.laka.co\/business?r=ACTIV30\">Laka <\/a>to offer you people-powered bike insurance designed by cyclists for cyclists &#8211; and a FREE 30-day free trial on us. These guys do insurance differently, offering protection from theft, damage and vandalism with faster payouts to get you straight back in the saddle. Laka have been voted best bike insurance provider for five years in a row and we love the way they do things. Read on to find out more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why is Laka different?<\/strong><\/h3>\n\n\n\n<p>Joining Laka means you become part of a collective. Unlike big corporate providers, who set premiums to make a profit, they charge a monthly contribution based on the amount they have paid out in the past month on repairs, replacements and so on. Your regular payment is capped so if they pay out more your monthly fee will never go above that figure. However, if they pay out less, you\u2019ll pay less.&nbsp;<\/p>\n\n\n\n<p>Laka are also refreshingly transparent about how they do things. They openly say they pay out 80% of contributions to members and the remaining 20% goes on running the business.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What we love about Laka&nbsp;<\/strong><\/h3>\n\n\n\n<p>Let\u2019s get to the point. Here\u2019s what\u2019s so great about bike insurance from Laka.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-claims-ambit-1.jpg\" alt=\"\" class=\"wp-image-471\" srcset=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-claims-ambit-1.jpg 400w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-claims-ambit-1-300x300.jpg 300w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-claims-ambit-1-150x150.jpg 150w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-claims-ambit-1-370x370.jpg 370w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-excess-ambit.jpg\" alt=\"\" class=\"wp-image-469\" srcset=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-excess-ambit.jpg 400w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-excess-ambit-300x300.jpg 300w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-excess-ambit-150x150.jpg 150w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-excess-ambit-370x370.jpg 370w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-contracts-ambit.jpg\" alt=\"\" class=\"wp-image-472\" srcset=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-contracts-ambit.jpg 400w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-contracts-ambit-300x300.jpg 300w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-contracts-ambit-150x150.jpg 150w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-contracts-ambit-370x370.jpg 370w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-experts-ambit.jpg\" alt=\"\" class=\"wp-image-473\" srcset=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-experts-ambit.jpg 400w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-experts-ambit-300x300.jpg 300w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-experts-ambit-150x150.jpg 150w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-experts-ambit-370x370.jpg 370w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What are the cover levels?&nbsp;<\/strong><\/h3>\n\n\n\n<p>Laka offer two main levels of cover; Complete and Core, you get top-notch protection against theft, damage, loss, and more. Coverage starts as soon as you activate your policy. When things go wrong, Laka\u2019s got your back\u2014claims are handled by experts with no depreciation or excess.<br>Choose the coverage that best fits your needs with Laka\u2019s Complete and Core packages, and enjoy peace of mind knowing you\u2019re protected by a community of cyclists just like you.<\/p>\n\n\n\n<p>Insure your bike like never before with Laka. Sign up now and enjoy 30 days of free coverage!<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-vimeo wp-block-embed-vimeo wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Laka - Collective Cover for Cyclists\" src=\"https:\/\/player.vimeo.com\/video\/470172714?dnt=1&amp;app_id=122963\" width=\"770\" height=\"433\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">How much will I pay?<\/h3>\n\n\n\n<p>You can use the <a href=\"https:\/\/my.laka.co\/business?r=ACTIV30\" target=\"_blank\" rel=\"noreferrer noopener\">Laka calculator<\/a> to get a quote but here are a couple of examples.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"656\" src=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2024\/01\/image.jpeg\" alt=\"This image has an empty alt attribute; its file name is trek-emonda-alr-5-cropped.jpg\" class=\"wp-image-812\" srcset=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2024\/01\/image.jpeg 1000w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2024\/01\/image-300x197.jpeg 300w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2024\/01\/image-768x504.jpeg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p><a href=\"https:\/\/www.activcycles.co.uk\/bikes\/road-bikes\/trek-emonda-alr-5-azure-to-living-coral__5947\"><strong>T<\/strong><\/a><strong><a href=\"https:\/\/www.activcycles.co.uk\/bikes\/road-bikes\/trek-emonda-alr-5-azure-to-living-coral__5947\" target=\"_blank\" rel=\"noreferrer noopener\">rek Emonda ALR 5<\/a><\/strong><a href=\"https:\/\/www.activcycles.co.uk\/bikes\/road-bikes\/trek-emonda-alr-5-azure-to-living-coral__5947\"><br><\/a>Price new: \u00a31850<\/p>\n\n\n\n<p>Typical monthly Laka payment: \u00a316<br>Never more than: \u00a319.25<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"632\" src=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/Rail95-cropped.jpg\" alt=\"\" class=\"wp-image-463\" srcset=\"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/Rail95-cropped.jpg 1000w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/Rail95-cropped-300x190.jpg 300w, https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/Rail95-cropped-768x485.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.activcycles.co.uk\/bikes\/electric-bikes\/trek-rail-95-gen-4-black-olive__3805\" target=\"_blank\">Tr<strong>ek Rail 9.5<\/strong><\/a>&nbsp;<br>Price new: \u00a36,900<\/p>\n\n\n\n<p>Typical monthly Laka payment: \u00a349<br>Never more than: \u00a360.22<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How do I sign up and get my free month?<\/strong><\/h2>\n\n\n\n<p>Start by <a href=\"https:\/\/laka.co\/gb\/quote\" target=\"_blank\" rel=\"noreferrer noopener\">getting a quote<\/a>. Then fill in the details about your bike, choose whether to insure accessories and clothing, and then fill in your details. Use the discount code <strong>ACTIV30<\/strong> at the checkout to get your 30 days FREE.<\/p>\n\n\n\n<p>Then just get on your bike and enjoy, safe in the knowledge that your pride and joy is protected!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Activ Cycles has partnered with Laka to offer you people-powered bike insurance designed by cyclists for cyclists &#8211; and a FREE 30-day free trial on us. These guys do insurance differently, offering protection from theft, damage and vandalism with faster payouts to get you straight back in the saddle. Laka have been voted best bike<\/p>\n","protected":false},"author":128,"featured_media":453,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":""},"categories":[87],"tags":[],"class_list":{"0":"post-452","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bike-care"},"featured_image_src":"https:\/\/blog.citrus-lime.com\/actv\/wp-content\/uploads\/sites\/81\/2023\/08\/laka-composite-1200-x-800.jpg","author_info":{"display_name":"ACTIV Cycles","author_link":"https:\/\/blog.citrus-lime.com\/actv\/author\/actv\/"},"_links":{"self":[{"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/posts\/452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/users\/128"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/comments?post=452"}],"version-history":[{"count":10,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/posts\/452\/revisions"}],"predecessor-version":[{"id":938,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/posts\/452\/revisions\/938"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/media\/453"}],"wp:attachment":[{"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/categories?post=452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.citrus-lime.com\/actv\/wp-json\/wp\/v2\/tags?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}