Compare Bikmo vs Laka Cycle Insurance

Compare cycle insurance in minutes and see what really matters: what’s covered, what it costs, and how quickly you’ll get back on your bike after a claim. Then calculate your individual Bikmo quote to lock in cover that fits the value of your bikes and the way you ride. 

Why compare cycle insurance?

Cycling cover isn’t one-size-fits-all. When you compare cycle insurance, look beyond the headline price to check theft and accidental damage limits, worldwide trips, event fees, emergency hire, and whether key benefits are standard or paid add-ons. That detail determines real-world value when something goes wrong.

All pricing in this comparison table includes standard benefits plus the optional add-ons noted. For consistency, Laka quotes factor in the same Clothing & Accessories cover amount used by Bikmo. Laka pricing is shown as the amount you usually pay. Prices for all providers are based on the stated bike value and your postcode.

Bikmo vs Laka

Why Bikmo Is the Superior Choice for Worldwide Bike Insurance

• Worldwide cover: Bikmo Plus protects your bike everywhere you go, no add-ons needed.
• Real-world value: Key benefits like liability and medical costs are always included.
• Fixed pricing: Bikmo premiums stay the same; Laka’s based on community claims.
• Peace of mind: Bikmo’s global PLUS cover comes with B Corp status and 1% for the Planet support.

Get your individual Bikmo quote in under two minutes to see your exact price based on your bikes and accessories.

Bikmo keeps cycle insurance simple, powerful, and genuinely useful for any rider who prizes flexibility and global cover, delivering the confidence to get back on your bike faster—anywhere.

Trust and claims transparency

Bikmo publishes annual claims data as part of its Open Project and is backed by a team of cyclists who handle claims online to get you rolling again quickly; independent ratings on Trustpilot and Feefo reflect that service quality. Transparency and specialist support matter most on your worst day. Find the latest Open Project here: Bikmo Open Project

It’s worth considering who the underwriter of an insurer is, as they will have an impact on the policy offered and any potential claims.

What to check when you compare

• Are theft, accidental damage and vandalism standard or optional extras.​
• Is worldwide cover included and are there trip length limits.​
• Are clothing and accessories covered automatically and to what limit.​
• Do you get event fee cover, emergency hire and legal advice included.​
• Is there 0% on monthly payments or added interest for instalments.

Solidity

With our policy, you know exactly what you’re paying for. We don’t increase customers’ premiums, even if they’ve needed to make a claim. The premium with our policies is based on the value of bikes a customer chooses to insure.

We don’t offer new customer or first-year discounts. Therefore we do not penalise customers who choose to stay with us year on year. Some insurers provide first-year discounts of up to 30% for new customers, but this is removed the following year.

Other insurers, such as Laka, state what you’d ‘usually’ pay, but if there are more claims that month from other customers (the collective), you could end up paying more each month. This is the case even if you’ve not needed to make a claim yourself or even ridden your bike a lot that month!

Ready to compare cycle insurance on your terms? Calculate your Bikmo quote now for a personalised price and cover summary.

If you have any questions about our benefits, please visit our full benefits page or look at our FAQs. Can’t find an answer there? Please feel free to contact our customer service team, full of bike geeks, via email support@bikmo.com or phone 01244 470337.

Disclaimers

• Prices true on 15/10/2025 and coverage true on 15/10/2025 as per web searches. All coverage subject to terms and conditions.
• Quotes based on the postcode CH1 4QT and on Bike(s) Value + £250 or 10% for clothing and accessories.
• Benefits based on what is included AS STANDARD – Some insurers offer further benefits, but often at extra cost/premium – where an option is available, we have stated this.
• *Laka based on what they state you’d ‘usually’ pay for price and quote