Why We Recommend Laka Insurance for eBikes & Cargo Bikes

If you've invested in a premium eBike or cargo bike, chances are you've already thought about security. Whether it's a family cargo bike parked outside a café, a commuter eBike locked at the station, or a £10,000 longtail carrying the kids to school, bike theft is unfortunately a reality of modern cycling.

At Fully Charged, we've spent more than a decade helping people get the most from their bikes, and we've also seen the frustration that comes when something goes wrong. That's why we've partnered with Laka and why we confidently recommend them to our customers.

The Reality of Bike Theft

In our latest video, Fully Charged founder Ben Jaconelli sits down with Anna from Laka to discuss bike theft, insurance, and what makes specialist cover so different from a standard household policy.

The conversation includes some of Ben's infamous bike recovery stories, including tracking down stolen NHS cargo bikes and recovering them after thieves hid them on the roof of a council estate. While entertaining, it's also a reminder that most riders don't want to become amateur detectives when their bike disappears.

Why Specialist Bike Insurance Matters

Many riders assume their home insurance will do the job. Sometimes it will, but that's often where problems begin.

Household policies can have limits on bike values, lengthy claims processes, depreciation clauses, and the risk of affecting your home insurance no-claims history. For premium eBikes and cargo bikes, that can become a costly mistake.

Laka was created specifically for cyclists. Their cover is designed around bikes rather than treating them as just another household possession, helping riders get back on the road as quickly as possible.

Cover for High-Value eBikes

The bikes we sell aren't your average bicycles. Many premium eBikes and cargo bikes cost several thousand pounds, with some family cargo bikes comfortably exceeding £10,000 once fully equipped.

That's why specialist cover is so important. Laka's policies can cover high-value bikes, accessories and even battery theft - an increasingly common issue in urban areas. If you've invested in a premium machine, it's worth making sure it's properly protected.

What Our Customers Say

Perhaps the biggest reason we continue to recommend Laka is the feedback we receive from riders.

Over the years, we've helped thousands of customers arrange cover through Laka and we've consistently seen positive experiences when claims are needed. In the video, customers share stories of stolen bikes being replaced quickly, allowing them to get back riding with minimal disruption.

One Month Free with Every Fully Charged Bike

When you buy a bike from Fully Charged, you'll receive one month of Laka insurance included free of charge.

Hopefully you'll never need it. But if the worst does happen, you'll have access to a team that genuinely understands bikes and cyclists.

Owning an eBike should be about freedom, convenience and adventure - not worrying about what happens if something goes wrong. That's why we continue to recommend Laka to our customers.