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I'm clearly biased as the founder but please take a look at the reviews we got from customers that had to put in a claim recently:
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I know of two claims with Laka where two of my friends had in one case a whole bike theft and in the other partial theft of parts and the claims were settled with no fuss from Laka and the communication was quick and clear. They both got sorted with replacements quickly.
If you sign up via my referral link we'll both £25 off cover https://get.laka.uk/96WM4
-edit, use the code of @Cazakstan
https://get.laka.uk/96WM4
I have too much in there, only one bike and was supposed to be leaving.
I have a referral code too ^
I just insured my team bike (Laka sponsor NLTCBMBC).
If peeps are thinking about insurance for racing, commuting, accidental damage and theft..
They also offer third party liability.
Use my referal for a £25 credit. It gets me a £25 credit too so I will owe you a beer!
https://laka.co.uk/r/XXXXXXXXXXXXX!