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Protect your BZEN.
Ride with peace of mind.
Your BZEN is designed to make city riding feel light, comfortable and easy to handle.
Laka helps protect it with flexible bicycle cover created for cyclists, by cyclists – with no annual contract, no excess on bike claims and zero depreciation.
Flexible monthly cover | No excess on bike claims | Zero depreciation | Expert in-house claims team
A lighter way to ride.
A fairer way to protect it.
Your e-bike should give you more freedom, not more to worry about. BZEN’s superlight e-bikes are built in Europe and designed for easy handling, everyday comfort and confident city riding.
Laka brings the same rider-first mindset to bicycle insurance. Its Collective model replaces a fixed annual price with flexible monthly contributions based on claims across the Collective – always limited by your personal cap.
Fair, not fixed: how the Laka Collective works
Traditional insurance asks you to pay a fixed premium whether claims are high or low. Laka calculates monthly contributions around the Collective, so the cost can reflect real claims while your maximum stays capped.
Know your cap
Your personal maximum monthly price is based on your risk profile, what you ride and where you ride.
Join the Collective
Each month, your contribution is calculated using claims across the Collective..
Share the savings
When fewer claims are made, charges can be lower for everyone. You will not pay more than your cap.
Extra flexibility when your plans take you further
Travel add-on: accidental damage cover for your bike, gear and accessories worldwide for up to 120 consecutive days.
Race add-on: cover for races that require a valid racing licence, including eligible road, criterium, circuit and cyclocross events.
Choose the cover that fits your rides
Whether you mainly want theft protection or also want cover for crashes and accidental damage, Laka gives you two clear options.
| Feature | Core | Complete |
| Theft at home and on the go | Included | Included |
| No excess on bike claims | Included | Included |
| Zero depreciation on bike claims | Included | Included |
| Legal assistance after a non-fault accident | Included | Included |
| Third-party cycling liability | Included | Included |
| Eligible sportives and non-licensed events | Included | Included |
| Crash and accidental damage | Not included | Included |
| Intentional damage by others | Not included | Included |
| Roadside recovery: up to £200 get-you-home cash | Not included | Included |
Coverage shown is based on the supplied Laka product overview and remains subject to current policy terms, exclusions, eligibility and territorial availability.
Both plans are handled by Laka’s in-house claims team and include access to cycling perks. Eligible additional bikes in the same household, used by family members, receive a 50% discount.
Protect your BZEN
with 90 days of Laka insurance free
Your BZEN is designed to make every ride feel light, comfortable and easy. Laka helps protect your e-bike when the unexpected happens..
Choose the Laka cover that fits your riding life and enjoy every city journey with one less thing to think about.
OFFER TERMS: Offer available to new Laka customers only. Eligible insurance must be activated through the dedicated BZEN offer page by 31 October 2026. No promotional code is required. Laka’s general terms and conditions, eligibility requirements, policy conditions and exclusions apply.
FAQ
Laka offers a bicycle insurance subscription built around a Collective. Instead of a fixed annual premium, monthly contributions reflect claims across the Collective, up to your personal cap.
Core focuses on theft protection. Complete includes the Core benefits and adds crash and accidental damage cover, intentional damage by others and up to £200 in get-you-home cash after an accident or theft.
No. Both Core and Complete include no excess on bike claims, subject to the policy terms.
Bike claims are handled with zero depreciation, subject to the policy terms.
No. Laka does not require a 12-month contract, and you can switch between available cover levels.
Eligible additional bikes in the same household, used by family members, receive a 50% discount.
Yes. The Travel add-on provides accidental damage cover for your bike, gear and accessories worldwide for up to 120 consecutive days. Add-ons are activated for a minimum of 30 days.
Laka’s specialist in-house claims team handles claims and supports riders through the process.