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Laka are new and new to me too but they are as transparent as possible with their pricing model. As we know all insurance is a gamble on hoping to never have to use it and as yet I haven't had to claim so I can't comment on this aspect of their customer service.
They've got some info about how they settle claims here: http://help.laka.co.uk/bicycle-insurance/claims/how-do-you-settle-claims
Cazakstan
Hello C.
Just checked them out. Might sign up (using your refeference of course).
They are obviously a start-up (with a bit of backing). I know the company that started them, but I'ld be interested to know if anyone has had to claim?
Interesting that they are offering effectively a monthly insurance. I wonder how many 'cancel' after a few months