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@Cazakstan
I'm coming up for a year with Laka soon, in that time I've not had to claim but I know people who have had to and they've all had really positive experiences.
My monthly cost hasn't varied massively and has never got past the high end of the swing of expected costs. Mostly it's been around 14-19 quid a month for 2 pricey custom bikes.
The best thing for me is that I know I'm covered for racing in the UK and when I travel abroad. Lots of other bike insurers don't cover racing so it's one less thing to worry about.
If you're looking for insurance use my code for £25 credit which will get you a couple of months for free if you're insuring one bike: https://laka.co.uk/r/IFWOZ