Laka

Laka is a London-based InsurTech startup that aims to disrupt traditional insurance models with a fairer, collective-driven approach, particularly for the micromobility sector. Instead of fixed upfront premiums, Laka charges customers monthly based on the collective's actual claims, with a guaranteed maximum spend. Their flagship product is insurance for bikes, e-bikes, and e-cargo bikes, complemented by personal liability, health and recovery, and solutions for commercial partners. Laka operates across the EEA in eleven countries and has expanded from a direct-to-consumer model to a B2B2C platform through strategic acquisitions and partnerships with major brands and a network of bike dealers.